CN106296392A - Method and device for selecting payment and remittance routes - Google Patents
Method and device for selecting payment and remittance routes Download PDFInfo
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- CN106296392A CN106296392A CN201610662920.9A CN201610662920A CN106296392A CN 106296392 A CN106296392 A CN 106296392A CN 201610662920 A CN201610662920 A CN 201610662920A CN 106296392 A CN106296392 A CN 106296392A
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- 238000000034 method Methods 0.000 title abstract description 26
- 238000012544 monitoring process Methods 0.000 claims description 13
- 230000008569 process Effects 0.000 abstract description 21
- 238000010187 selection method Methods 0.000 abstract 1
- 230000006870 function Effects 0.000 description 14
- 238000012545 processing Methods 0.000 description 10
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 8
- 229910052737 gold Inorganic materials 0.000 description 8
- 239000010931 gold Substances 0.000 description 8
- 238000012546 transfer Methods 0.000 description 8
- 238000012423 maintenance Methods 0.000 description 7
- 230000008859 change Effects 0.000 description 4
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 3
- 229910052709 silver Inorganic materials 0.000 description 3
- 239000004332 silver Substances 0.000 description 3
- FGUUSXIOTUKUDN-IBGZPJMESA-N C1(=CC=CC=C1)N1C2=C(NC([C@H](C1)NC=1OC(=NN=1)C1=CC=CC=C1)=O)C=CC=C2 Chemical compound C1(=CC=CC=C1)N1C2=C(NC([C@H](C1)NC=1OC(=NN=1)C1=CC=CC=C1)=O)C=CC=C2 FGUUSXIOTUKUDN-IBGZPJMESA-N 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000011156 evaluation Methods 0.000 description 2
- 230000000977 initiatory effect Effects 0.000 description 2
- 230000007257 malfunction Effects 0.000 description 2
- 230000007246 mechanism Effects 0.000 description 2
- 238000003032 molecular docking Methods 0.000 description 2
- 230000009897 systematic effect Effects 0.000 description 2
- GNFTZDOKVXKIBK-UHFFFAOYSA-N 3-(2-methoxyethoxy)benzohydrazide Chemical compound COCCOC1=CC=CC(C(=O)NN)=C1 GNFTZDOKVXKIBK-UHFFFAOYSA-N 0.000 description 1
- YTAHJIFKAKIKAV-XNMGPUDCSA-N [(1R)-3-morpholin-4-yl-1-phenylpropyl] N-[(3S)-2-oxo-5-phenyl-1,3-dihydro-1,4-benzodiazepin-3-yl]carbamate Chemical compound O=C1[C@H](N=C(C2=C(N1)C=CC=C2)C1=CC=CC=C1)NC(O[C@H](CCN1CCOCC1)C1=CC=CC=C1)=O YTAHJIFKAKIKAV-XNMGPUDCSA-N 0.000 description 1
- 230000006399 behavior Effects 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention discloses a payment routing selection method, which comprises the following steps: acquiring transaction information input by a user, and determining a transaction counter-bank according to the transaction information; determining the availability of each payment remittance in the transaction counter bank and the routing rule corresponding to each payment remittance; and selecting the payment remittance routes according to the transaction information, the availability of each payment remittance route and the routing rule. The invention also discloses a payment collection route selection device. The invention realizes that the system can automatically select the optimal payment sink for the user according to the availability and routing rule of the payment sink of the transaction counter-bank and the transaction information input by the user after the transaction counter-bank is determined, simplifies the operation process of selecting the payment sink for the user, and reduces the transaction failure rate in certain scenes or certain time period.
Description
Technical field
The present invention relates to banking field, particularly relate to a kind of pay road system of selection and device.
Background technology
Because bank has accessed multiple roads of paying, user needs when inter-bank is transferred accounts to select.Inter-bank for user
Transferring accounts demand, bank is generally adopted by the mode that user actively selects, it may be assumed that inputted transfer information by user, right including concluding the business
Hands row account, name in an account book, and the mode that selects to transfer accounts, such as " common, quick or urgent, real-time ".After selecting mode of transferring accounts, will present
The bank's list supported under this mode of transferring accounts, by user select the bank of deposit of counterparty's row account, home zone, affiliated
Row etc..Every kind of bank is transferred accounts mode, correspond to a set of payment system on backstage, payment system as secondary in the People's Bank, online
Pay inter-bank system for settling account, various places intracity clearing system etc..The mode of transferring accounts of existing bank, is primarily present following problem: 1) right
User is unfriendly, and input information of transferring accounts is more；2) prop up road of paying exist pre-interim maintenance or the most expected fault or other not
Available situation；3) for bank, each road of paying there is a need to undertake different payment costs, and user props up the choosing on road of paying
Select and may need bank paying more fee cost；4) for bank, need management and balance each road of paying
Pay position, adjust in time according to the situation paying position and prop up road selection strategy of paying.
Therefore, user is during the road that selects to pay is traded with counterparty's row account, and operating process is loaded down with trivial details；And
And, the problem existed due to existing bank, cause user high in the Fail Transaction rate of some scene or certain period.
Summary of the invention
Offer one is provided and props up pay road system of selection and device, it is intended to solve existing at silver
During row account trading, it is loaded down with trivial details, in the transaction mistake of some scene or certain period that user selects to prop up dataway operation flow process of paying
The technical problem that the rate that loses is high.
For achieving the above object, the one that the present invention provides props up road system of selection of paying, described road system of selection of paying
Including:
Obtain the Transaction Information of user's input, determine counterparty's row according to described Transaction Information；
Determine the availability on each road of paying in described counterparty's row, and the route rule that each road of paying is corresponding
Then；
Select to prop up road of paying according to described Transaction Information, the availability on each road of paying and described routing rule.
Preferably, determine that the step of routing rule corresponding to each road of paying includes:
The to be transacted product value corresponding with described Transaction Information is determined according to described Transaction Information；
If described product value to be transacted is in the first preset range, then based on the product bank that prestores converge road routing table or
Zhe Hui road routing table, obtains available road of paying according to described Transaction Information in described counterparty's row；
The road of paying that priority is the highest is selected on described available road of paying.
Preferably, determine that in described counterparty's row, the step of the availability on each road of paying includes:
Detect the transaction record on each road of paying according to preset rules, determine each transaction errors paying in road
Rate；
If described transaction errors rate is less than the first predetermined threshold value, then described transaction errors rate is preset threshold less than described first
The road sign of paying that props up corresponding to value is designated as available road of paying；
If described transaction errors rate is more than or equal to described first predetermined threshold value, then by described transaction errors rate more than institute
State the road sign of paying that props up corresponding to the first predetermined threshold value and be designated as unavailable road of paying.
Preferably, if described transaction errors rate is more than or equal to described first predetermined threshold value, then by described transaction
After error rate is designated as the step on unavailable road of paying more than the road sign of paying corresponding to described first predetermined threshold value, also wrap
Include:
Start monitoring trading function, carry out detecting transactional operation in described unavailable road of paying；
If described unavailable road of paying detecting the success rate of transactional operation more than the second predetermined threshold value, then by described not
Road sign of can using foreign currency is designated as available road of paying.
Preferably, determine that in described counterparty's row, the step of the availability on each road of paying also includes:
Monitor each position paying in road, it is judged that whether each position in road of paying is in the second preset range
In；
If described position is in described second preset range, then by described position correspondence in described second preset range
Prop up road sign of paying and be designated as available road of paying；
If it is not described position is not in described second preset range, then described position is right in described second preset range
The road sign of paying that props up answered is designated as unavailable road of paying.
Preferably, determine that in described counterparty's row, the step of the availability on each road of paying also includes:
Determine that the account corresponding to described Transaction Information is in each payment limit paying in road of described counterparty's row；
If described payment limit more than presetting limit, is then more than described in a payment limit paid in road by described account
The road sign of paying that props up presetting limit is designated as available road of paying；
If described account is less than or equal to described default limit, then by described payment in a payment limit paid in road
Limit is designated as unavailable road of paying less than or equal to the road sign of paying that props up of described default limit.
Additionally, for achieving the above object, the present invention also provides for a kind of road of paying and selects device, described road of paying to select
Device includes:
Acquisition module, for obtaining the Transaction Information of user's input, determines counterparty's row according to described Transaction Information；
Determining module, for determining the availability on each road of paying in described counterparty's row, and each is paid
The routing rule that road is corresponding；
Select module, for selecting according to described Transaction Information, the availability on each road of paying and described routing rule
Prop up road of paying.
Preferably, described determine that module includes:
First determines unit, for determining the to be transacted product gold corresponding with described Transaction Information according to described Transaction Information
Volume；
Acquiring unit, if for described product value to be transacted in the first preset range, then based on the product silver prestored
Hang Hui road routing table or road routing table of converging, obtain available propping up in described counterparty's row according to described Transaction Information and pay
Road；
Select unit, for selecting the road of paying that priority is the highest on described available road of paying.
Preferably, described determine that module also includes:
Second determines unit, for detecting the transaction record on each road of paying according to preset rules, determines that each pays
Transaction errors rate in remittance road；
First indexing unit, if for described transaction errors rate less than the first predetermined threshold value, then by described transaction errors rate
It is designated as available road of paying less than the road sign of paying that props up corresponding to described first predetermined threshold value；
If described first indexing unit is additionally operable to described transaction errors rate is more than or equal to described first predetermined threshold value, then
Described transaction errors rate is designated as unavailable road of paying more than the road sign of paying that props up corresponding to described first predetermined threshold value.
Preferably, described road of paying selects device also to include:
Start module, be used for starting monitoring trading function, carry out detecting transactional operation in described unavailable road of paying；
Mark module, if the success rate detecting transactional operation in described unavailable road of paying presets threshold more than second
Value, then be designated as available road of paying by described road sign of can not using foreign currency.
Preferably, described determine that module also includes:
Judging unit, for monitoring each position paying in road, it is judged that whether each position in road of paying exists
In second preset range；
Second indexing unit, if for described position in described second preset range, then by described position described the
The road sign of paying that props up corresponding in two preset range is designated as available road of paying；
If described second indexing unit is additionally operable to described position not in described second preset range, then by described position not
The road sign of paying that props up corresponding in described second preset range is designated as unavailable road of paying.
Preferably, described determine that module also includes:
3rd determines unit, for determining that the account corresponding to described Transaction Information is in each payment of described counterparty's row
Payment limit in remittance road；
3rd indexing unit, if for described account in a payment limit paid in road more than presetting limit, then by institute
State payment limit and be designated as available road of paying more than the road sign of paying that props up of described default limit；
Described 3rd indexing unit, if being additionally operable to described account in a payment limit paying in road less than or equal to institute
State default limit, then described payment limit is designated as unavailable payment less than or equal to the road sign of paying that props up of described default limit
Remittance road.
The present invention, by determining counterparty's row according to the Transaction Information of acquired user's input, further determines that transaction
The availability on each road of paying in opponent's row, and the routing rule that each road of paying is corresponding, then according to described transaction
Information, the availability on each road of paying and described routing rule select to prop up road of paying.Achieve after determining counterparty's row,
Need not user oneself go to select to prop up road of paying, system can be automatically according to the availability propping up road of paying of counterparty's row and route
Rule, and the Transaction Information of user's input is the road of paying that user selects optimum, simplifies user and selects to pay road behaviour
Make flow process, also reduce the Fail Transaction rate of some scene or certain period simultaneously.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet that the present invention props up the preferred embodiment of road system of selection of paying；
Fig. 2 is the high-level schematic functional block diagram that the present invention props up that road of paying selects the preferred embodiment of device.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further referring to the drawings.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
It is the schematic flow sheet that the present invention props up the preferred embodiment of road system of selection of paying with reference to Fig. 1, Fig. 1.
In the present embodiment, described road system of selection of paying includes:
Step S10, obtains the Transaction Information of user's input, determines counterparty's row according to described Transaction Information；
When remittance road system gets the Transaction Information of user's input, determine the transaction of correspondence according to acquired Transaction Information
Opponent's row.Wherein, described Transaction Information includes but not limited to account and the trade gold of input of counterparty's row that user inputs
Volume.
It should be noted that described remittance road system is the system that user initiates the bank place of transaction request, described remittance road
System is configured with the bank's line number list supporting that head office a little accesses function of transferring accounts, and the card BIN (Bank of these bank's line numbers
Identification Number, credit card issuer identification code) table.In the Transaction Information that described remittance road system inputs according to user
Counterparty's row account, and the bank of deposit that trading account described in card BIN table identification is corresponding, i.e. according to the transaction of user's input
Information and card BIN table identification determine counterparty's row.As the described bank of deposit (bank at counterparty's row account place) supports
Some function of transferring accounts, then the head office's line number directly using the described bank of deposit corresponding is used for initiation and transfers accounts, the system meeting of described remittance road
Automatically head office's line number corresponding for the described bank of deposit is converted to the line number on counterpart expenditure remittance road.If the described bank of deposit does not supports
A little access function of transferring accounts, then need user to select concrete branch bank's information；If the Transaction Information of user's input is not handed over
Easily the account card number of opponent's row, then remain a need for user and select the row number information of counterparty's row.Because current user's major part uses
Be bank's card number, and the transaction of main nationwide bank has been supported a little to access function of transferring accounts the most, and therefore the present invention can letter
Change choosing of major part user's money transfer transactions opponent's every trade number.BIN typically refers to first 6 of bank card number, for representing hair fastener
A set of bank card number coding of bank or mechanism.
Further, described remittance road system supports Transaction Information storage and memory.The transaction being manually entered for user is right
Hands row accounts information, described remittance road system will store, when subsequent user gives same account transfer, can be directly described
Remittance road system is chosen, it is not necessary to again input.
Step S20, determines the availability on each road of paying in described counterparty's row, and each road of paying is corresponding
Routing rule；
In the system of described remittance road, each bank correspond to multiple roads of paying, and bank's different product is paid the bill in inter-bank
Or during gathering, it is possible to use the scope propping up road of paying is different, and also there are different characteristics, therefore each product pin in each road of paying
Selection to propping up road of paying also has different routing rules.When propping up road of paying and being in maintenance state or fault, it is in maintenance
It is disabled road of paying with the road of paying of propping up of malfunction.
During counterparty's row of transaction needed for described remittance road system determines user, determine in this counterparty's row each
Pay the availability on road, and the routing rule that each road of paying is corresponding.It should be noted that the attribute on described road of paying
Including range attribute with pay attribute, described range attribute includes the bank's scope supported on described road of paying, is supported
Mark that type of transaction (such as whether support withhold, pay out), trading limit and road of paying enable is (as being in when road of paying
During use state, the road sign of paying that props up being in use state is designated as 1；When propping up road of paying and being in dead status, will be in and stop
It is designated as 0 with the road sign of paying that props up of state) etc.；When described payment attribute is included in described road of paying the transaction being traded
Effect, transaction cost (for bank) and transaction procedure expense are (when i.e. user uses this road of paying to be traded, required
The fee paid) etc..
Step S30, selects to prop up according to described Transaction Information, the availability on each road of paying and described routing rule and pays
Road.
In Transaction Information that described remittance road system inputs according to user, counterparty's row each road of paying availability and
Each road correspondence routing rule of paying selects to prop up road of paying at described counterparty's row.If it is understood that with priority
Height evaluate the road of paying in described counterparty's row, what the most described remittance road Systematic selection obtained pays road described
Road of paying is the road of paying that eligible medium priority is the highest.
Further, in the system of described remittance road pay road and and the bank of road docking of paying often occur fixed
The situation that phase safeguards, or partial payment converges road service window not 24 hours every days all in upstate, as certain pays
Converging road at night in certain time, or may be in down state Sunday.Therefore, described remittance road system is arranged
You Hui road routing table and product bank remittance road routing table.Described remittance road routing table includes but not limited to pay road numbering,
Time started and the end time etc. of service window are safeguarded in pay line state, road of paying；Described product bank remittance road route
Table include concluding the business scene, road numbering of paying, bank's line number, line state of paying, prop up road of paying and safeguard opening of service window
Time beginning and end time etc..When propping up road of paying and being in regular maintenance state, can be according to described remittance road routing table and product
Bank converges road routing table and determines whether the road of paying of described counterparty's row is in upstate.
The present embodiment, by determining counterparty's row according to the Transaction Information of acquired user's input, further determines that friendship
The easily availability on each road of paying in opponent's row, and the routing rule that each road of paying is corresponding, then according to described friendship
Easily information, the availability on each road of paying and described routing rule select to prop up road of paying.Achieve when determining counterparty's row
After, it is not necessary to user oneself goes to select to pay road, system can automatically according to the availability on the road of paying of counterparty's row and
Routing rule, and the Transaction Information of user's input is the road of paying that user selects optimum, simplifies user and selects to pay
Dataway operation flow process, also reduces the Fail Transaction rate of some scene or certain period simultaneously.
Further, propose the present invention based on first embodiment and prop up the second embodiment of road system of selection of paying.
In the present embodiment, the described step determining routing rule corresponding to each road of paying includes:
Step a, determines the to be transacted product value corresponding with described Transaction Information according to described Transaction Information；
Step b, if described product value to be transacted is in the first preset range, then based on the product bank Hui Lu road prestored
By table or the road routing table of converging, obtains in described counterparty's row according to described Transaction Information and available prop up road of paying；
Step c, selects the road of paying that priority is the highest on described available road of paying.
When determining routing rule corresponding to each road of paying, can be determined by following two mode.
1. routing rule is set according to the dimension of bank, i.e. from the angle of bank, different the excellent of road of paying are set
First level, as certain bank, A props up the priority on road of paying and props up, higher than B, road of paying.The product bank remittance road of described routing rule
Routing table needs the parameter arranged include but not limited to conclude the business scene, dealing money is interval, bank is corresponding line number, pay
Priority that numbering corresponding to road, road of paying are corresponding and the mark that road of paying enables.It should be noted that support same
Bank under transaction scene is configured with multiple different roads of paying, and when propping up the transaction cost on road of paying, transaction according to difference
Imitate and prop up multiple factors such as road reliability of paying, the priority on each road of paying under different amount of money interval is set.
When described remittance road system receives the Transaction Information of user's input, when i.e. receiving transaction request, obtain transaction letter
After the information such as the product information to be transacted in breath, product value to be transacted and counterparty's row, it is judged that described product to be transacted gold
Volume, whether in the first preset range, i.e. judges that described product value to be transacted is whether in product limit to be transacted.When described
When product value to be transacted is not in described preset range, terminate this time transaction.When described dealing money is in described preset range
Time interior, described remittance road system converges road routing table according to the product bank that prestores, according to acquired product information to be transacted,
Counterparty's row described in the acquisition of informations such as the line number of product value to be transacted and counterparty's row can be utilized for transaction this time
The road of paying of product to be transacted, is designated as qualified road of paying by described road of paying.Qualified when not existing
Pay road time, terminate this time transaction.When exist qualified pay road time, according to product value to be transacted with pay
The priority on road selects the road of paying that priority is the highest in qualified road of paying, and judges that described priority is the highest
The availability on road of paying.When described priority the highest pay road for available pay road time, according to selected excellent
What first level was the highest pay, and road processes described transaction request, is traded described product to be transacted, to complete this time to conclude the business.Work as institute
State the highest road of paying of priority be unavailable pay road time, in qualified road of paying, the most again select suboptimum
The road of paying of first level, processes described transaction request according to the road of paying of selected sub-priority, be traded described in treat
Products transactions, to complete this time to conclude the business.It should be noted that described sub-priority is the next one less than described limit priority
Priority, when being 4 such as limit priority, then sub-priority is 3.Described preset range is described product limit to be transacted, can be by
Bank is arranged according to specific needs.
2. according to the dimension on road of paying to arrange routing rule, i.e. from the angle on road of paying, different payment is set
The priority on remittance road, as paid in road at a and b two, a props up the priority on road of paying and props up, higher than b, road of paying.In routing rule
The parameter in the routing table of road of converging includes but not limited to that transaction scene, dealing money are interval, props up numbering corresponding to road of paying, props up and pay
The mark that priority corresponding to road and road of paying enable.It should be noted that support that the bank under same transaction scene joins
Put multiple different roads of paying, and prop up the transaction cost on road of paying, transaction timeliness and road reliability of paying according to difference
Etc. multiple factors, the priority on each road of paying under different amount of money interval is set.
When described remittance road system receives the Transaction Information of user's input, when i.e. receiving transaction request, obtain transaction letter
After the information such as the product information to be transacted in breath, product value to be transacted and counterparty's row, it is judged that described product to be transacted gold
Volume, whether in the first preset range, i.e. judges that described product value to be transacted is whether in product limit to be transacted.When described
When product value to be transacted is not in described preset range, terminate this time transaction.When described dealing money is in described preset range
Time interior, described remittance road system is according to the remittance road routing table prestored, according to acquired product information to be transacted, product to be transacted
Counterparty's row described in the acquisition of informations such as the line number of the product amount of money and counterparty's row can be utilized for transaction this time product to be transacted
The road of paying of product, is designated as qualified road of paying by described road of paying.When there is not qualified road of paying
Time, terminate this time transaction.When exist qualified pay road time, according to product value to be transacted and the preferential of road of paying
What level selection priority in qualified road of paying was the highest props up road of paying, and judges that the highest the propping up of described priority is paid
The availability on road.When described priority the highest pay road for available pay road time, the highest according to selected priority
Road of paying process described transaction request, be traded described product to be transacted, to complete this time to conclude the business.When described priority
The highest road of paying be unavailable pay road time, the most again select in qualified road of paying sub-priority
Pay road, process described transaction request according to the road of paying of selected sub-priority, be traded described product to be transacted,
To complete this time to conclude the business.
Further, the channel accepting described transaction request in the system of described remittance road can specify it in described remittance road system
Used in road of paying.When described remittance road system receives the transaction request of user, the payment specified by use automatically
Remittance road completes the transaction between described counterparty's row.
The present embodiment, when getting the Transaction Information that user inputs, is use according to the routing rule set and Transaction Information
Family selects available the road of paying that qualified road medium priority of paying is the highest, simplifies user and selects to prop up dataway operation of paying
Flow process.
Further, propose the present invention based on first embodiment and prop up the 3rd embodiment of road system of selection of paying.
In the present embodiment, the described step determining routing rule corresponding to each road of paying includes:
Described determine that in described counterparty's row, the step of the availability on each road of paying includes:
Step d, detects the transaction record on each road of paying according to preset rules, determines each transaction paying in road
Error rate；
Step e, if described transaction errors rate is less than the first predetermined threshold value, then by described transaction errors rate less than described first
The road sign of paying that props up corresponding to predetermined threshold value is designated as available road of paying；
Step f, if described transaction errors rate is more than or equal to described first predetermined threshold value, then by described transaction errors rate
It is designated as unavailable road of paying more than the road sign of paying that props up corresponding to described first predetermined threshold value.
Described remittance road system detects the transaction record on each road of paying according to preset rules, true according to described transaction record
Each transaction errors rate in road of paying fixed.When described transaction errors rate is less than the first predetermined threshold value, then by described transaction mistake
Rate is designated as available road of paying less than the road sign of paying that props up corresponding to described first predetermined threshold value by mistake；If described transaction errors rate is big
In or equal to described first predetermined threshold value, then by described transaction errors rate more than the payment corresponding to described first predetermined threshold value
The road sign that converges is designated as unavailable road of paying.Wherein, described first predetermined threshold value sets according to specific needs for described remittance road system
Put.Described preset rules is to detect the number of times of each road appearance transaction errors within certain time period of paying and conclude the business total
Number, determines each transaction errors rate paying in road according to the ratio between number of times and the transaction amount of transaction errors.
Further, when described road of paying be marked as unavailable pay road time, export information, prompting is described
Road system of converging closes described unavailable road of paying.After closing described unavailable road of paying, change described remittance road routing table
And product bank converges the line state attribute of paying in road routing table, the state on this road of paying is made to be closed.Described
Road system of converging detects whether to there is other available road of paying, if existing, then by other transaction in described unavailable road of paying
Request is transferred in other available road of paying be traded.
Further, also include after described step f:
Step g, starts monitoring trading function, carries out detecting transactional operation in described unavailable road of paying；
Step h, if the success rate detecting transactional operation in described unavailable road of paying is more than the second predetermined threshold value, then will
Described road sign of can not using foreign currency is designated as available road of paying.
Further, when described transaction errors rate is more than or equal to described first predetermined threshold value, described remittance road system
Start monitoring trading function, at interval of intervals, carry out detecting transactional operation in described unavailable road of paying.
If the success rate detecting transactional operation in described unavailable road of paying is more than the second predetermined threshold value, then close monitoring trading merit
Can, described road sign of can not using foreign currency is designated as available road of paying, changes described remittance road routing table and product bank Hui Lu road simultaneously
By the line state attribute of paying in table, the state on this road of paying is made to be in opening.Wherein, described second predetermined threshold value
Can arrange according to the needs of described remittance road system.
Further, described determine that in described counterparty's row, the step of the availability on each road of paying also includes:
Step i, monitors each position paying in road, it is judged that whether each position in road of paying is preset second
In the range of；
Step j, if described position is in described second preset range, then by described position in described second preset range
The corresponding road sign of paying that props up is designated as available road of paying；
Step k, if described position is not in described second preset range, does not then preset model described second by described position
The road sign of paying that props up enclosing interior correspondence is designated as unavailable road of paying.
Further, prop up the exchange paying in road obtain financial need use leave the People's Bank or other financial institutions in
Position in, if position is not enough, then can cause transaction hang up or failure, and affect bank pay tissue in evaluation.
The most described remittance road system needs to monitor each position paying in road, it is judged that whether each position in road of paying is
In two preset range, if described position is in described second preset range, then by described position in described second preset range
The corresponding road sign of paying that props up is designated as available road of paying；If described position is not in described second preset range, then by described head
Very little not corresponding in the described second preset range road sign of paying that props up is designated as unavailable road of paying, and closes described unavailable
Pay road.Further, after propping up road sign of paying and being designated as unavailable road of paying, exportable alert message, to remind
Shu Hui road system, in this most no longer second preset range of the position in road of paying.Described remittance road system can also arrange head
Very little switching value, when described the position paid in road less than or equal to described switching value time, by described position less than or
Prop up the pay transaction request in road corresponding equal to described switching value is transferred to another available road of paying, to evade because of position not
The transaction that foot straps is come is abnormal.
Further, described determine that in described counterparty's row, the step of the availability on each road of paying also includes:
Step l, determine the account corresponding to described Transaction Information at described counterparty's row each pay in road
Pay limit；
Step m, if described account is more than in a payment limit paid in road presets limit, then by big for described payment limit
The road sign of paying that props up in described default limit is designated as available road of paying；
Step n, if described account is less than or equal to described default limit, then by institute in a payment limit paid in road
State payment limit and be designated as unavailable road of paying less than or equal to the road sign of paying that props up of described default limit.
Further, the available of each road of paying is determined according to user account in each payment limit paid in road
Property.Detailed process by: described remittance road system first determines that the account corresponding to the Transaction Information that user is inputted is at counterparty's row
Each payment limit in road of paying.If described account is more than in a payment limit paid in road presets limit, then by institute
State payment limit and be designated as available road of paying more than the road sign of paying that props up of described default limit；If described account is being paid in road
Payment limit less than or equal to described default limit, then by described payment limit less than or equal to described default limit
Prop up road sign of paying and be designated as unavailable road of paying.If user is currently in described unavailable road of paying and is traded, described
Road system of converging then is traded on available road of paying of propping up automatically.Described payment limit is set by the system of described remittance road.
It should be noted that in determining described counterparty's row during the availability on each road of paying, Ke Yixuan
What one or more factor in transaction record, position and payment limit of selecting determined each road of paying in counterparty's row can
The property used.
Further, described remittance road system may further determine that the trading processing ability of described counterparty's row, according to described place
The trading processing strategy of counterparty's row described in reason capabilities setting.After choosing a road of paying, according to described counterparty's row
Trading processing strategy determine the time interval being traded with described counterparty's row and the speed degree being traded.Its
In, described trading processing ability includes the transaction pressure undertaken and the processing speed of transaction of described counterparty's row.As right
In large batch of scene of withholing, the process time window of Mei Jia bank can be set according to described remittance road system, and according to difference
In bank, different roads of paying arrange different transmission time intervals, to guarantee that the speed that transaction sends can meet a road of paying
And the disposal ability of counterparty's row.
The present embodiment is determined by the availability on each road of paying in described counterparty's row, prevents from being traded
Cheng Zhong, employs disabled road of paying, and causes the situation of Fail Transaction to occur.
The present invention further provides a kind of road of paying and select device.
It is the high-level schematic functional block diagram that the present invention props up that road of paying selects the preferred embodiment of device with reference to Fig. 2, Fig. 2.
In the present embodiment, described road of paying selects device to include:
Acquisition module 10, for obtaining the Transaction Information of user's input, determines counterparty's row according to described Transaction Information；
When remittance road system gets the Transaction Information of user's input, determine the transaction of correspondence according to acquired Transaction Information
Opponent's row.Wherein, described Transaction Information includes but not limited to account and the trade gold of input of counterparty's row that user inputs
Volume.
It should be noted that described remittance road system is the system that user initiates the bank place of transaction request, described remittance road
System is configured with the bank's line number list supporting that head office a little accesses function of transferring accounts, and the card BIN (Bank of these bank's line numbers
Identification Number, credit card issuer identification code) table.In the Transaction Information that described remittance road system inputs according to user
Counterparty's row account, and the bank of deposit that trading account described in card BIN table identification is corresponding, i.e. according to the transaction of user's input
Information and card BIN table identification determine counterparty's row.As the described bank of deposit (bank at counterparty's row account place) supports
Some function of transferring accounts, then the head office's line number directly using the described bank of deposit corresponding is used for initiation and transfers accounts, the system meeting of described remittance road
Automatically head office's line number corresponding for the described bank of deposit is converted to the line number on counterpart expenditure remittance road.If the described bank of deposit does not supports
A little access function of transferring accounts, then need user to select concrete branch bank's information；If the Transaction Information of user's input is not handed over
Easily the account card number of opponent's row, then remain a need for user and select the row number information of counterparty's row.Because current user's major part uses
Be bank's card number, and the transaction of main nationwide bank has been supported a little to access function of transferring accounts the most, and therefore the present invention can letter
Change choosing of major part user's money transfer transactions opponent's every trade number.BIN typically refers to first 6 of bank card number, for representing hair fastener
A set of bank card number coding of bank or mechanism.
Further, described remittance road system supports Transaction Information storage and memory.The transaction being manually entered for user is right
Hands row accounts information, described remittance road system will store, when subsequent user gives same account transfer, can be directly described
Remittance road system is chosen, it is not necessary to again input.
Determining module 20, for determining the availability on each road of paying in described counterparty's row, and each pays
The routing rule that remittance road is corresponding；
In the system of described remittance road, each bank correspond to multiple roads of paying, and bank's different product is paid the bill in inter-bank
Or during gathering, it is possible to use the scope propping up road of paying is different, and also there are different characteristics, therefore each product pin in each road of paying
Selection to propping up road of paying also has different routing rules.When propping up road of paying and being in maintenance state or fault, it is in maintenance
It is disabled road of paying with the road of paying of propping up of malfunction.
During counterparty's row of transaction needed for described remittance road system determines user, determine in this counterparty's row each
Pay the availability on road, and the routing rule that each road of paying is corresponding.It should be noted that the attribute on described road of paying
Including range attribute with pay attribute, described range attribute includes the bank's scope supported on described road of paying, is supported
Mark that type of transaction (such as whether support withhold, pay out), trading limit and road of paying enable is (as being in when road of paying
During use state, the road sign of paying that props up being in use state is designated as 1；When propping up road of paying and being in dead status, will be in and stop
It is designated as 0 with the road sign of paying that props up of state) etc.；When described payment attribute is included in described road of paying the transaction being traded
Effect, transaction cost (for bank) and transaction procedure expense are (when i.e. user uses this road of paying to be traded, required
The fee paid) etc..
Select module 30, for selecting according to described Transaction Information, the availability on each road of paying and described routing rule
Select and prop up road of paying.
In Transaction Information that described remittance road system inputs according to user, counterparty's row each road of paying availability and
Each road correspondence routing rule of paying selects to prop up road of paying at described counterparty's row.If it is understood that with priority
Height evaluate the road of paying in described counterparty's row, what the most described remittance road Systematic selection obtained pays road described
Road of paying is the road of paying that eligible medium priority is the highest.
Further, in the system of described remittance road pay road and and the bank of road docking of paying often occur fixed
The situation that phase safeguards, or partial payment converges road service window not 24 hours every days all in upstate, as certain pays
Converging road at night in certain time, or may be in down state Sunday.Therefore, described remittance road system is arranged
You Hui road routing table and product bank remittance road routing table.Described remittance road routing table includes but not limited to pay road numbering,
Time started and the end time etc. of service window are safeguarded in pay line state, road of paying；Described product bank remittance road route
Table include concluding the business scene, road numbering of paying, bank's line number, line state of paying, prop up road of paying and safeguard opening of service window
Time beginning and end time etc..When propping up road of paying and being in regular maintenance state, can be according to described remittance road routing table and product
Bank converges road routing table and determines whether the road of paying of described counterparty's row is in upstate.
The present embodiment, by determining counterparty's row according to the Transaction Information of acquired user's input, further determines that friendship
The easily availability on each road of paying in opponent's row, and the routing rule that each road of paying is corresponding, then according to described friendship
Easily information, the availability on each road of paying and described routing rule select to prop up road of paying.Achieve when determining counterparty's row
After, it is not necessary to user oneself goes to select to pay road, system can automatically according to the availability on the road of paying of counterparty's row and
Routing rule, and the Transaction Information of user's input is the road of paying that user selects optimum, simplifies user and selects to pay
Dataway operation flow process, also reduces the Fail Transaction rate of some scene or certain period simultaneously.
Further, propose the present invention based on first embodiment and prop up the second embodiment of road selection device of paying.
In the present embodiment, described determine that module 20 includes:
First determines unit, for determining the to be transacted product gold corresponding with described Transaction Information according to described Transaction Information
Volume；
Acquiring unit, if for described product value to be transacted in the first preset range, then based on the product silver prestored
Hang Hui road routing table or road routing table of converging, obtain available propping up in described counterparty's row according to described Transaction Information and pay
Road；
Select unit, for selecting the road of paying that priority is the highest on described available road of paying.
1. routing rule is set according to the dimension of bank, i.e. from the angle of bank, different the excellent of road of paying are set
First level, as certain bank, A props up the priority on road of paying and props up, higher than B, road of paying.The product bank remittance road of described routing rule
Routing table needs the parameter arranged include but not limited to conclude the business scene, dealing money is interval, bank is corresponding line number, pay
Priority that numbering corresponding to road, road of paying are corresponding and the mark that road of paying enables.It should be noted that support same
Bank under transaction scene is configured with multiple different roads of paying, and when propping up the transaction cost on road of paying, transaction according to difference
Imitate and prop up multiple factors such as road reliability of paying, the priority on each road of paying under different amount of money interval is set.
When described remittance road system receives the Transaction Information of user's input, when i.e. receiving transaction request, obtain transaction letter
After the information such as the product information to be transacted in breath, product value to be transacted and counterparty's row, it is judged that described product to be transacted gold
Volume, whether in the first preset range, i.e. judges that described product value to be transacted is whether in product limit to be transacted.When described
When product value to be transacted is not in described preset range, terminate this time transaction.When described dealing money is in described preset range
Time interior, described remittance road system converges road routing table according to the product bank that prestores, according to acquired product information to be transacted,
Counterparty's row described in the acquisition of informations such as the line number of product value to be transacted and counterparty's row can be utilized for transaction this time
The road of paying of product to be transacted, is designated as qualified road of paying by described road of paying.Qualified when not existing
Pay road time, terminate this time transaction.When exist qualified pay road time, according to product value to be transacted with pay
The priority on road selects the road of paying that priority is the highest in qualified road of paying, and judges that described priority is the highest
The availability on road of paying.When described priority the highest pay road for available pay road time, according to selected excellent
What first level was the highest pay, and road processes described transaction request, is traded described product to be transacted, to complete this time to conclude the business.Work as institute
State the highest road of paying of priority be unavailable pay road time, in qualified road of paying, the most again select suboptimum
The road of paying of first level, processes described transaction request according to the road of paying of selected sub-priority, be traded described in treat
Products transactions, to complete this time to conclude the business.It should be noted that described sub-priority is the next one less than described limit priority
Priority, when being 4 such as limit priority, then sub-priority is 3.Described preset range is described product limit to be transacted, can be by
Bank is arranged according to specific needs.
2. according to the dimension on road of paying to arrange routing rule, i.e. from the angle on road of paying, different payment is set
The priority on remittance road, as paid in road at a and b two, a props up the priority on road of paying and props up, higher than b, road of paying.In routing rule
The parameter in the routing table of road of converging includes but not limited to that transaction scene, dealing money are interval, props up numbering corresponding to road of paying, props up and pay
The mark that priority corresponding to road and road of paying enable.It should be noted that support that the bank under same transaction scene joins
Put multiple different roads of paying, and prop up the transaction cost on road of paying, transaction timeliness and road reliability of paying according to difference
Etc. multiple factors, the priority on each road of paying under different amount of money interval is set.
When described remittance road system receives the Transaction Information of user's input, when i.e. receiving transaction request, obtain transaction letter
After the information such as the product information to be transacted in breath, product value to be transacted and counterparty's row, it is judged that described product to be transacted gold
Volume, whether in the first preset range, i.e. judges that described product value to be transacted is whether in product limit to be transacted.When described
When product value to be transacted is not in described preset range, terminate this time transaction.When described dealing money is in described preset range
Time interior, described remittance road system is according to the remittance road routing table prestored, according to acquired product information to be transacted, product to be transacted
Counterparty's row described in the acquisition of informations such as the line number of the product amount of money and counterparty's row can be utilized for transaction this time product to be transacted
The road of paying of product, is designated as qualified road of paying by described road of paying.When there is not qualified road of paying
Time, terminate this time transaction.When exist qualified pay road time, according to product value to be transacted and the preferential of road of paying
What level selection priority in qualified road of paying was the highest props up road of paying, and judges that the highest the propping up of described priority is paid
The availability on road.When described priority the highest pay road for available pay road time, the highest according to selected priority
Road of paying process described transaction request, be traded described product to be transacted, to complete this time to conclude the business.When described priority
The highest road of paying be unavailable pay road time, the most again select in qualified road of paying sub-priority
Pay road, process described transaction request according to the road of paying of selected sub-priority, be traded described product to be transacted,
To complete this time to conclude the business.
Further, the channel accepting described transaction request in the system of described remittance road can specify it in described remittance road system
Used in road of paying.When described remittance road system receives the transaction request of user, the payment specified by use automatically
Remittance road completes the transaction between described counterparty's row.
The present embodiment, when getting the Transaction Information that user inputs, is use according to the routing rule set and Transaction Information
Family selects available the road of paying that qualified road medium priority of paying is the highest, simplifies user and selects to prop up dataway operation of paying
Flow process.
Further, propose the present invention based on first embodiment and prop up the 3rd embodiment of road selection device of paying.
In the present embodiment, described determine that module 20 also includes:
Second determines unit, for detecting the transaction record on each road of paying according to preset rules, determines that each pays
Transaction errors rate in remittance road；
First indexing unit, if for described transaction errors rate less than the first predetermined threshold value, then by described transaction errors rate
It is designated as available road of paying less than the road sign of paying that props up corresponding to described first predetermined threshold value；
If described first indexing unit is additionally operable to described transaction errors rate is more than or equal to described first predetermined threshold value, then
Described transaction errors rate is designated as unavailable road of paying more than the road sign of paying that props up corresponding to described first predetermined threshold value.
Described remittance road system detects the transaction record on each road of paying according to preset rules, true according to described transaction record
Each transaction errors rate in road of paying fixed.When described transaction errors rate is less than the first predetermined threshold value, then by described transaction mistake
Rate is designated as available road of paying less than the road sign of paying that props up corresponding to described first predetermined threshold value by mistake；If described transaction errors rate is big
In or equal to described first predetermined threshold value, then by described transaction errors rate more than the payment corresponding to described first predetermined threshold value
The road sign that converges is designated as unavailable road of paying.Wherein, described first predetermined threshold value sets according to specific needs for described remittance road system
Put.Described preset rules is to detect the number of times of each road appearance transaction errors within certain time period of paying and conclude the business total
Number, determines each transaction errors rate paying in road according to the ratio between number of times and the transaction amount of transaction errors.
Further, when described road of paying be marked as unavailable pay road time, export information, prompting is described
Road system of converging closes described unavailable road of paying.After closing described unavailable road of paying, change described remittance road routing table
And product bank converges the line state attribute of paying in road routing table, the state on this road of paying is made to be closed.Described
Road system of converging detects whether to there is other available road of paying, if existing, then by other transaction in described unavailable road of paying
Request is transferred in other available road of paying be traded.
Further, described road of paying selects device also to include:
Start module, be used for starting monitoring trading function, carry out detecting transactional operation in described unavailable road of paying；
Mark module, if the success rate detecting transactional operation in described unavailable road of paying presets threshold more than second
Value, then be designated as available road of paying by described road sign of can not using foreign currency.
Further, when described transaction errors rate is more than or equal to described first predetermined threshold value, described remittance road system
Start monitoring trading function, at interval of intervals, carry out detecting transactional operation in described unavailable road of paying.
If the success rate detecting transactional operation in described unavailable road of paying is more than the second predetermined threshold value, then close monitoring trading merit
Can, described road sign of can not using foreign currency is designated as available road of paying, changes described remittance road routing table and product bank Hui Lu road simultaneously
By the line state attribute of paying in table, the state on this road of paying is made to be in opening.Wherein, described second predetermined threshold value
Can arrange according to the needs of described remittance road system.
Further, described determine that module 20 also includes:
Judging unit, for monitoring each position paying in road, it is judged that whether each position in road of paying exists
In second preset range；
Second indexing unit, if for described position in described second preset range, then by described position described the
The road sign of paying that props up corresponding in two preset range is designated as available road of paying；
If described second indexing unit is additionally operable to described position not in described second preset range, then by described position not
The road sign of paying that props up corresponding in described second preset range is designated as unavailable road of paying.
Further, prop up the exchange paying in road obtain financial need use leave the People's Bank or other financial institutions in
Position in, if position is not enough, then can cause transaction hang up or failure, and affect bank pay tissue in evaluation.
The most described remittance road system needs to monitor each position paying in road, it is judged that whether each position in road of paying is
In two preset range, if described position is in described second preset range, then by described position in described second preset range
The corresponding road sign of paying that props up is designated as available road of paying；If described position is not in described second preset range, then by described head
Very little not corresponding in the described second preset range road sign of paying that props up is designated as unavailable road of paying, and closes described unavailable
Pay road.Further, after propping up road sign of paying and being designated as unavailable road of paying, exportable alert message, to remind
Shu Hui road system, in this most no longer second preset range of the position in road of paying.Described remittance road system can also arrange head
Very little switching value, when described the position paid in road less than or equal to described switching value time, by described position less than or
Prop up the pay transaction request in road corresponding equal to described switching value is transferred to another available road of paying, to evade because of position not
The transaction that foot straps is come is abnormal.
Further, described determine that module 20 also includes:
3rd determines unit, for determining that the account corresponding to described Transaction Information is in each payment of described counterparty's row
Payment limit in remittance road；
3rd indexing unit, if for described account in a payment limit paid in road more than presetting limit, then by institute
State payment limit and be designated as available road of paying more than the road sign of paying that props up of described default limit；
Described 3rd indexing unit, if being additionally operable to described account in a payment limit paying in road less than or equal to institute
State default limit, then described payment limit is designated as unavailable payment less than or equal to the road sign of paying that props up of described default limit
Remittance road.
Further, the available of each road of paying is determined according to user account in each payment limit paid in road
Property.Detailed process by: described remittance road system first determines that the account corresponding to the Transaction Information that user is inputted is at counterparty's row
Each payment limit in road of paying.If described account is more than in a payment limit paid in road presets limit, then by institute
State payment limit and be designated as available road of paying more than the road sign of paying that props up of described default limit；If described account is being paid in road
Payment limit less than or equal to described default limit, then by described payment limit less than or equal to described default limit
Prop up road sign of paying and be designated as unavailable road of paying.If user is currently in described unavailable road of paying and is traded, described
Road system of converging then is traded on available road of paying of propping up automatically.Described payment limit is set by the system of described remittance road.
It should be noted that in determining described counterparty's row during the availability on each road of paying, Ke Yixuan
What one or more factor in transaction record, position and payment limit of selecting determined each road of paying in counterparty's row can
The property used.
Further, described remittance road system may further determine that the trading processing ability of described counterparty's row, according to described place
The trading processing strategy of counterparty's row described in reason capabilities setting.After choosing a road of paying, according to described counterparty's row
Trading processing strategy determine the time interval being traded with described counterparty's row and the speed degree being traded.Its
In, described trading processing ability includes the transaction pressure undertaken and the processing speed of transaction of described counterparty's row.As right
In large batch of scene of withholing, the process time window of Mei Jia bank can be set according to described remittance road system, and according to difference
In bank, different roads of paying arrange different transmission time intervals, to guarantee that the speed that transaction sends can meet a road of paying
And the disposal ability of counterparty's row.
The present embodiment is determined by the availability on each road of paying in described counterparty's row, prevents from being traded
Cheng Zhong, employs disabled road of paying, and causes the situation of Fail Transaction to occur.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.By above embodiment party
The description of formula, those skilled in the art it can be understood that can add required general to above-described embodiment method by software
The mode of hardware platform realizes, naturally it is also possible to by hardware, but a lot of in the case of the former is more preferably embodiment.Based on
Such understanding, the part that prior art is contributed by technical scheme the most in other words can be with software product
Form embody, this computer software product is stored in a storage medium (such as ROM/RAM, magnetic disc, CD), including
Some instructions are with so that a station terminal equipment (can be mobile phone, computer, server, or the network equipment etc.) performs this
Method described in each embodiment bright.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every utilize this
Equivalent structure or equivalence flow process that bright description and accompanying drawing content are made convert, or are directly or indirectly used in other relevant skills
Art field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (12)
1. one kind road system of selection of paying, it is characterised in that described road system of selection of paying includes:
Obtain the Transaction Information of user's input, determine counterparty's row according to described Transaction Information；
Determine the availability on each road of paying in described counterparty's row, and the routing rule that each road of paying is corresponding；
Select to prop up road of paying according to described Transaction Information, the availability on each road of paying and described routing rule.
2. as claimed in claim 1 road system of selection of paying, it is characterised in that determine the route that each road of paying is corresponding
The step of rule includes:
The to be transacted product value corresponding with described Transaction Information is determined according to described Transaction Information；
If described product value to be transacted is in the first preset range, then based on the product bank remittance road routing table prestored or remittance
Road routing table, obtains available road of paying according to described Transaction Information in described counterparty's row；
The road of paying that priority is the highest is selected on described available road of paying.
3. as claimed in claim 1 road system of selection of paying, it is characterised in that determine in described counterparty's row each
The step of availability on road of paying includes:
Detect the transaction record on each road of paying according to preset rules, determine each transaction errors rate paying in road；
If described transaction errors rate is less than the first predetermined threshold value, then by described transaction errors rate less than described first predetermined threshold value institute
The corresponding road sign of paying that props up is designated as available road of paying；
If described transaction errors rate is more than or equal to described first predetermined threshold value, then by described transaction errors rate more than described the
The road sign of paying that props up corresponding to one predetermined threshold value is designated as unavailable road of paying.
4. as claimed in claim 3 road system of selection of paying, it is characterised in that if described transaction errors rate more than or
Person is equal to described first predetermined threshold value, then by described transaction errors rate more than the road of paying corresponding to described first predetermined threshold value
After being labeled as the step on unavailable road of paying, also include:
Start monitoring trading function, carry out detecting transactional operation in described unavailable road of paying；
If the success rate detecting transactional operation in described unavailable road of paying is more than the second predetermined threshold value, then by described unavailable
The road sign that converges is designated as available road of paying.
5. as claimed in claim 1 road system of selection of paying, it is characterised in that determine in described counterparty's row each
The step of availability on road of paying also includes:
Monitor each position paying in road, it is judged that each pays the position in road whether in the second preset range；
If described position is in described second preset range, then by the payment of correspondence in described second preset range of described position
The road sign that converges is designated as available road of paying；
If it is not described position is not in described second preset range, then described position is corresponding in described second preset range
Prop up road sign of paying and be designated as unavailable road of paying.
6. the road system of selection of paying as described in any one of claim 1 to 5, it is characterised in that determine described counterparty
In row, the step of the availability on each road of paying also includes:
Determine that the account corresponding to described Transaction Information is in each payment limit paying in road of described counterparty's row；
If described payment limit more than presetting limit, is then preset more than described by described account in a payment limit paid in road
The road sign of paying that props up of limit is designated as available road of paying；
If described account is less than or equal to described default limit, then by described payment limit in a payment limit paid in road
It is designated as unavailable road of paying less than or equal to the road sign of paying that props up of described default limit.
7. one kind road of paying selects device, it is characterised in that described road of paying selects device to include:
Acquisition module, for obtaining the Transaction Information of user's input, determines counterparty's row according to described Transaction Information；
Determine module, for determining the availability on each road of paying in described counterparty's row, and each road pair of paying
The routing rule answered；
Select module, for selecting to pay according to described Transaction Information, the availability on each road of paying and described routing rule
Remittance road.
8. as claimed in claim 7 road of paying selects device, it is characterised in that described determine that module includes:
First determines unit, for determining the to be transacted product value corresponding with described Transaction Information according to described Transaction Information；
Acquiring unit, if for described product value to be transacted in the first preset range, then converges based on the product bank prestored
Road routing table or the road routing table of converging, obtains in described counterparty's row according to described Transaction Information and available props up road of paying；
Select unit, for selecting the road of paying that priority is the highest on described available road of paying.
9. as claimed in claim 7 road of paying selects device, it is characterised in that described determine that module also includes:
Second determines unit, for detecting the transaction record on each road of paying according to preset rules, determines each road of paying
In transaction errors rate；
First indexing unit, if for described transaction errors rate less than the first predetermined threshold value, being then less than described transaction errors rate
The road sign of paying that props up corresponding to described first predetermined threshold value is designated as available road of paying；
If described first indexing unit is additionally operable to described transaction errors rate is more than or equal to described first predetermined threshold value, then by institute
State transaction errors rate and be designated as unavailable road of paying more than the road sign of paying that props up corresponding to described first predetermined threshold value.
10. as claimed in claim 9 road of paying selects device, it is characterised in that described road of paying selects device also to wrap
Include:
Start module, be used for starting monitoring trading function, carry out detecting transactional operation in described unavailable road of paying；
Mark module, if the success rate detecting transactional operation in described unavailable road of paying is more than the second predetermined threshold value,
Then described road sign of can not using foreign currency is designated as available road of paying.
11. roads of paying as claimed in claim 7 select devices, it is characterised in that described determine that module also includes:
Judging unit, for monitoring each position paying in road, it is judged that whether each position in road of paying is second
In preset range；
Second indexing unit, if for described position in described second preset range, then by described position described second pre-
If the road sign of paying that props up corresponding in scope is designated as available road of paying；
If described second indexing unit is additionally operable to described position not in described second preset range, then by described position not in institute
The road sign of paying that props up corresponding in stating the second preset range is designated as unavailable road of paying.
12. roads of paying as described in any one of claim 7 to 11 select device, it is characterised in that described determine that module is also
Including:
3rd determines unit, for determining that the account corresponding to described Transaction Information is on each road of paying of described counterparty's row
In payment limit；
3rd indexing unit, if for described account in a payment limit paid in road more than presetting limit, then by described
Pay limit and be designated as available road of paying more than the road sign of paying that props up of described default limit；
Described 3rd indexing unit, if being additionally operable to described account in a payment limit paying in road less than or equal to described pre-
Limit volume, then described payment limit is designated as unavailable less than or equal to the road sign of paying of described default limit and pays
Road.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201610662920.9A CN106296392A (en) | 2016-08-12 | 2016-08-12 | Method and device for selecting payment and remittance routes |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610662920.9A CN106296392A (en) | 2016-08-12 | 2016-08-12 | Method and device for selecting payment and remittance routes |
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| Publication Number | Publication Date |
|---|---|
| CN106296392A true CN106296392A (en) | 2017-01-04 |
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|---|---|---|---|
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| CN108876349B (en) * | 2018-08-16 | 2023-04-07 | 平安科技（深圳）有限公司 | Electronic device, payment channel determination method, and storage medium |
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