CN109447610A

CN109447610A - Method and apparatus for determining payment channel

Info

Publication number: CN109447610A
Application number: CN201811300935.6A
Authority: CN
Inventors: 肖雄
Original assignee: Beijing Jingdong Financial Technology Holding Co Ltd
Current assignee: Beijing Jingdong Financial Technology Holding Co Ltd
Priority date: 2018-11-02
Filing date: 2018-11-02
Publication date: 2019-03-08
Also published as: WO2020088075A1

Abstract

The embodiment of the present application discloses the method and apparatus for determining payment channel.One specific embodiment of this method includes: reception payment request, and wherein payment request includes the information of the corresponding type of service of payment request；Determine that rule determines at least one candidate payment channel based on default channel corresponding with type of service；Obtain the corresponding current channel quality parameter of each candidate payment channel；Target payment channel is determined from least one candidate payment channel according to current channel quality parameter.Target payment channel corresponding with payment request is determined according to the current quality parameter of each candidate payment channel to realize.It is possible to further realize the automatic switchover of payment channel by identified target payment channel, to be conducive to improve payment efficiency and pay success rate.

Description

Method and apparatus for determining payment channel

Technical field

The invention relates to field of computer technology, and in particular to Internet technical field, more particularly, to really Determine the method and apparatus of payment channel.

Background technique

One payment platform can access multiple payment channels, such as the quick direct connection channel of bank, Unionpay (support multiple online Bank fast trades), fast money it is quick (multiple banks is supported fast to trade).However, a payment platform is supplied to a front end The payment channel of application is usually all manually set.After monitoring personnel finds a payment channel generation problem, lead to Often by notifying relevant staff, the corresponding payment request of the payment channel is switched to other branch by relevant staff It pays in channel.

Summary of the invention

The embodiment of the present application proposes a kind of method and apparatus for determining payment channel.

In a first aspect, the embodiment of the present application provides a kind of method for determining payment channel, this method comprises: receiving Payment request, wherein payment request includes the information of the corresponding type of service of payment request；Based on corresponding with type of service pre- If channel determines that rule determines at least one candidate payment channel；Obtain the corresponding current channel of each candidate payment channel Mass parameter；Wherein, the current channel quality parameter history corresponding with candidate's payment channel of each candidate payment channel The history payment success rate that payment verification code obtains success rate and paid according to identifying code is positively correlated；According to current channel Mass parameter determines target payment channel from least one candidate payment channel.

In some embodiments, the current channel quality parameter of each candidate payment channel is generated based on following steps: Success rate is obtained to the corresponding history payment verification code of candidate's payment channel and history payment success rate is distributed in advance respectively The weight of setting；History payment success rate after obtaining success rate and weighting according to the history payment verification code after weighting generates The current channel quality parameter in the candidate channel.

In some embodiments, the current channel quality parameter of each candidate payment channel also with history payment verification code It obtains time-consuming parameter and history pays time-consuming parameter and is positively correlated；And to the corresponding history payment verification of candidate's payment channel Code obtains success rate and history payment success rate distributes pre-set weight respectively, further includes: to history payment verification code It obtains time-consuming parameter and history pays the pre-set weight of time-consuming parametric distribution；And it is tested according to the history payment after weighting Card code obtains the current channel quality parameter that the history payment success rate after success rate and weighting generates candidate's payment channel, Further include: the history after obtaining time-consuming parameter and weighting according to the history payment verification code after weighting pays time-consuming parameter and generates The current channel quality parameter of time candidate's payment channel；Wherein, payment verification code obtains time-consuming parameter and obtains with payment verification code Take duration used negatively correlated；It pays time-consuming parameter and is paid duration negative correlation used with using identifying code.

In some embodiments, each candidate payment channel current quality parameter is also corresponding with candidate's payment channel The history payment promptness rate that history payment verification code obtains promptness rate and paid according to identifying code is positively correlated；And to this The corresponding history payment verification code of candidate payment channel obtains success rate and history payment success rate distributes preset respectively Weight, further includes: promptness rate is obtained to history payment verification code and history payment promptness rate distributes pre-set weight； And the history payment success rate obtained after success rate and weighting according to the history payment verification code after weighting generates the candidate The current channel quality parameter of payment channel, further includes: promptness rate is obtained according to the history payment verification code after weighting and is added History payment promptness rate after power generates the current channel quality parameter of the payment channel.

In some embodiments, the current quality parameter of each candidate payment channel is also supported with candidate's payment channel The concurrent quantity of payment verification code acquisition request, the concurrent quantity of request of the payment paid according to identifying code are positively correlated； And candidate's payment channel corresponding history payment verification code acquisition success rate and history payment success rate are distributed respectively Pre-set weight, further includes: the concurrent quantity of the request of concurrent quantity and payment to payment verification code acquisition request Distribute pre-set weight；And the history branch after success rate and weighting is obtained according to the history payment verification code after weighting Pay the current channel quality parameter that success rate generates candidate's payment channel, further includes: obtain according to the payment verification code after weighting The concurrent quantity of request and the concurrent quantity of the request of the payment after weighting is taken to generate the current channel of candidate's payment channel Mass parameter.

In some embodiments, mesh is being determined from least one candidate payment channel according to current channel quality parameter Before marking payment channel, this method further include: obtain the corresponding cost information of each candidate payment channel；And according to current Channel quality parameter determines target payment channel from least one candidate payment channel, comprising: according to current quality parameter, Expense indicated by the cost information of each candidate's payment channel determines target PayPal from least one candidate payment channel Road.

In some embodiments, payment request includes payment amount information；And according to current channel quality parameter from Before determining target payment channel at least one candidate payment channel, this method further include: obtain each candidate payment channel Corresponding payment limit information；And it is determined from least one candidate payment channel according to current channel quality parameter Target payment channel, comprising: according to current quality parameter, each candidate payment channel payment limit information indicated by payment limit Payment amount indicated by volume and payment amount information determines target PayPal from least one candidate payment channel Road.

In some embodiments, this method further include: in response to the current logical of accessed any candidate payment channel Road mass parameter is less than preset threshold, generates warning message.

Second aspect, the embodiment of the present application provide it is a kind of for determining the device of payment channel, the device include: receive Unit is configured to receive payment request, and wherein payment request includes the information of the corresponding type of service of payment request；First really Order member is configured to determine that rule determines at least one candidate PayPal based on default channel corresponding with type of service Road；Acquiring unit is configured to obtain the corresponding current channel quality parameter of each candidate payment channel；Wherein, each The current channel quality parameter of candidate payment channel history payment verification code corresponding with candidate's payment channel obtains success rate And the history payment success rate paid according to identifying code is positively correlated；Second determination unit is configured to according to current logical Road mass parameter determines target payment channel from least one candidate payment channel.

In some embodiments, which further includes mass parameter generation unit, and mass parameter generation unit is configured to: Success rate is obtained to the corresponding history payment verification code of candidate's payment channel and history payment success rate is distributed in advance respectively The weight of setting；History payment success rate after obtaining success rate and weighting according to the history payment verification code after weighting generates The current channel quality parameter in the candidate channel.

In some embodiments, the current channel quality parameter of each candidate payment channel also with history payment verification code It obtains time-consuming parameter and history pays time-consuming parameter negative correlation；And mass parameter generation unit is further configured to: right History payment verification code obtains time-consuming parameter and history pays the pre-set weight of time-consuming parametric distribution；After weighting The history that history payment verification code obtains after time-consuming parameter and weighting pays time-consuming parameter and generates working as candidate's payment channel Prepass mass parameter；Wherein, payment verification code obtains time-consuming parameter and payment verification code acquisition duration used is negatively correlated；Payment Time-consuming parameter is paid duration negative correlation used with using identifying code.

In some embodiments, each candidate payment channel current quality parameter is also corresponding with candidate's payment channel The history payment promptness rate that history payment verification code obtains promptness rate and paid according to identifying code is positively correlated；And quality Parameter generating unit is further configured to: obtaining promptness rate to history payment verification code and history payment promptness rate distribution is pre- The weight being first arranged；And the history obtained after success rate and weighting according to the history payment verification code after weighting is paid successfully Rate generates the current channel quality parameter of candidate's payment channel, further includes: is obtained according to the history payment verification code after weighting History payment promptness rate after promptness rate and weighting generates the current channel quality parameter of the payment channel.

In some embodiments, the payment that candidate payment channel current quality parameter is also supported with candidate's payment channel is tested Demonstrate,prove the concurrent quantity of code acquisition request, the concurrent quantity of the request of the payment paid according to identifying code is positively correlated；And matter Amount parameter generating unit be further configured to: the request of concurrent quantity and payment to payment verification code acquisition request and It sends out quantity and distributes pre-set weight；After the concurrent quantity of the payment verification code acquisition request after weighting and weighting The concurrent quantity of the request of payment generates the current channel quality parameter of candidate's payment channel.

In some embodiments, in the second determination unit according to current channel quality parameter from least one candidate PayPal Before determining target payment channel in road, acquiring unit is further configured to: being obtained each candidate payment channel and is respectively corresponded Cost information；And second determination unit be further configured to: according to current quality parameter, the expense of each candidate payment channel The expense indicated by information determines target payment channel from least one candidate payment channel.

In some embodiments, above-mentioned payment request includes payment amount information；And in the second determination unit according to working as Prepass mass parameter before determining target payment channel at least one candidate payment channel, acquiring unit further by It is configured to: obtaining the corresponding payment limit information of each candidate payment channel；And second determination unit be further configured At: according to current quality parameter, each candidate payment channel payment limit information indicated by payment limit and payment amount Payment amount indicated by information determines target payment channel from least one candidate payment channel.

In some embodiments, device further include: alarm unit, alarm unit are configured to: in response to accessed The current channel quality parameter of any candidate payment channel be less than preset threshold, generate warning message.

The third aspect, the embodiment of the present application provide a kind of electronic equipment, which includes: one or more processing Device；Storage device is stored thereon with one or more programs, when said one or multiple programs are by said one or multiple processing When device executes, so that said one or multiple processors realize the method as described in implementation any in first aspect.

Fourth aspect, the embodiment of the present application provide a kind of computer-readable medium, are stored thereon with computer program, In, the method as described in implementation any in first aspect is realized when which is executed by processor.

Method and apparatus provided by the embodiments of the present application for determining payment channel, by receiving payment request, then It determines that rule determines at least one candidate payment channel based on default channel corresponding with the type of service in payment request, connects Obtain the corresponding current channel quality parameter of each candidate payment channel, finally according to current quality parameter from it is above-mentioned at least Target payment channel is determined in one candidate payment channel.To realize the current Quality ginseng according to each candidate payment channel Number determines target payment channel corresponding with payment request.It is possible to further real by identified target payment channel The automatic switchover of existing payment channel, to be conducive to improve payment efficiency and pay success rate.

Detailed description of the invention

By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, the application's is other Feature, objects and advantages will become more apparent upon:

It is therein exemplary that Fig. 1 is that the method for determining payment channel of one embodiment of the application can be applied to System architecture diagram；

Fig. 2 is the flow chart according to one embodiment of the method for determining payment channel of the application；

Fig. 3 is the schematic diagram according to an application scenarios of the method for determining payment channel of the application；

Fig. 4 is the flow chart according to another embodiment of the method for determining payment channel of the application；

Fig. 5 is the structural schematic diagram according to one embodiment of the device for determining payment channel of the application；

Fig. 6 is adapted for the structural schematic diagram for the computer system for realizing the electronic equipment of the embodiment of the present application.

Specific embodiment

The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched The specific embodiment stated is used only for explaining related invention, rather than the restriction to the invention.It also should be noted that in order to Convenient for description, part relevant to related invention is illustrated only in attached drawing.

It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.

The method for determining payment channel that Fig. 1 shows one embodiment of the application can be applied to therein show Example property system architecture 100.

As shown in Figure 1, system architecture 100 may include terminal device 101,102,103 and first server 105, second Server 106,107,108 and network 104,109.Network 104 is in terminal device 101,102,103 and first server The medium of communication link is provided between 105.Network 109 to first server 105 and second server 106,107,108 it Between provide communication link medium.Network 104,109 may include various connection types, for example, wired, wireless communication link or Person's fiber optic cables etc..

User can be used terminal device 101,102,103 and be interacted by network 104 with first server 105, to receive Or send message etc..Various client applications, such as the application of payment class, purchase can be installed on terminal device 101,102,103 Species application, searching class application, instant messaging tools etc..

Terminal device 101,102,103 can be hardware, be also possible to software.When terminal device 101,102,103 is hard When part, it can be the various electronic equipments with display screen and supported web page browsing, including but not limited to smart phone, plate Computer, pocket computer on knee and desktop computer etc..When terminal device 101,102,103 is software, can install In above-mentioned cited electronic equipment.Multiple softwares or software module may be implemented into (such as providing distributed clothes in it The software or software module of business), single software or software module also may be implemented into.It is not specifically limited herein.

First server 105 can provide various services, such as the payment that receiving terminal apparatus 101,102,103 is sent is asked It asks；It determines the corresponding payment channel of the payment request and carries out information exchange with second server where payment channel, with complete At delivery operation.

Second server 106,107,108 can be the server of the corresponding bank of payment channel；Second server 106, 107,108 various services can be provided, such as information exchange is carried out by network 109 with first server 105, completed terminal and set The operation of payment request counterpart expenditure transmitted by standby 101,102,103.

It should be noted that first server 105 and second server 106,107,108 can be hardware, it is also possible to Software.When first server 105 and second server 106,107,108 are hardware, multiple server compositions may be implemented into Distributed server cluster, individual server also may be implemented into.When first server 105 and second server 106,107, 108 when being software, and multiple softwares or software module may be implemented into (such as providing the software of Distributed Services or software mould Block), single software or software module also may be implemented into.It is not specifically limited herein.

It should be noted that for determining the method for payment channel generally by first service provided by the embodiment of the present application Device 105 executes, correspondingly, for determining that the device of payment channel is generally positioned in first server 105.

It should be understood that the terminal device, network and first server, the number of second server in Fig. 1 are only to illustrate Property.According to needs are realized, any number of terminal device, network and server can have.

With continued reference to Fig. 2, it illustrates according to one embodiment of the method for determining payment channel of the application Process 200.The method for being used to determine payment channel, comprising the following steps:

Step 201, payment request is received.

In the present embodiment, for determining executing subject (such as the first service shown in FIG. 1 of the method for payment channel Device) it can receive terminal device (such as terminal device shown in FIG. 1) and sent out by wired connection mode or radio connection The payment request sent.It should be pointed out that above-mentioned radio connection can include but is not limited to 3G/4G connection, WiFi connection, Bluetooth connection, WiMAX connection, Zigbee connection, UWB (ultra wideband) connection and other currently known or future The radio connection of exploitation.

It is risen in general, user can use the payment applications client installed in terminal or browser to above-mentioned executing subject Payment request.Above-mentioned payment request may include the corresponding type of service of payment request.Here type of service for example can wrap It includes: ordinary consumption business, insurance business, fund business etc..

In addition, above-mentioned payment request can also include information, user identifier, the terminal iidentifications such as payment amount, shroff account number Etc. information.Above-mentioned executing subject can distinguish the payment request of different user according to user identifier.

Step 202, determine that rule determines at least one candidate PayPal based on default channel corresponding with type of service Road.

In the present embodiment, based on network address obtained in step 201, above-mentioned executing subject (such as the first clothes shown in FIG. 1 Business device) it can determine that default channel corresponding with the type of service determines rule first, it is then based on above-mentioned default channel again Determine that rule determines at least one candidate payment channel.

Payment channel, such as can refer to the channel for providing that payment accepts the specific provider of ability or tripartite jumps Side and acquirer, clearance side.Payment channel for example may include: bank's fast direct-connected channel (quick direct-connected canal of each bank Road), Unionpay it is online (multiple banks is supported fast to trade), fast money quick (multiple banks is supported fast to trade) etc..

Each payment channel can correspond to multiple attributes, such as payment channel supports payment request concurrency, the payment The corresponding service charge in channel, payment channel, the estimated time-consuming of payment etc..

A usual payment platform can correspond to multiple payment channels.Each payment channel corresponds to a gap marker. Gap marker is used to distinguish different payment channels.Here gap marker can indicate by number or payment, Huo Zheyou Number is indicated with the combination paid.Each gap marker can be corresponded with a specific payment channel.Such as it is logical Road identifies " 01 " and corresponds with " Beijing Bank of China fast direct-connected channel ".

In general, the type of service that different payment channels is supported can not be identical.

In the present embodiment, the accessible pre-set type of service of above-mentioned executing subject determines that rule compares with channel Table.The above-mentioned table of comparisons can store in local, also can store and is passing through wired connection mode or nothing with above-mentioned executing subject In other electronic equipments that line connection type is communicated.

The above-mentioned table of comparisons may include multiple types of service, and the default channel with each type of service associated storage Determine rule.Here channel determines rule such as can be set and pay time-consuming range, payment rate range.

Above-mentioned executing subject can match the corresponding type of service of above-mentioned payment request in the above-mentioned table of comparisons, from And the matched default channel of type of service corresponding with payment request is stated is extracted in the above-mentioned table of comparisons and determines rule.Then, on Stating executing subject can determine that rule determines that at least one candidate pays from multiple payment channels according to above-mentioned default channel Channel.For example, if the payment time-consuming range in above-mentioned default channel rule settings channel be less than 3 hours, can by pair The corresponding attribute value of the time-consuming attribute of the payment answered is determined as the first pre- candidate PayPal trace gather less than 3 hours multiple payment channels It closes；If above-mentioned default channel determines that rule also sets payment rate range less than 0.3%, corresponding branch can be paid Multiple payment channels of the corresponding attribute value of rate attribute less than 0.3% are determined as the second pre- candidate payment channel set.Then on At least one time can be determined from the first pre- candidate payment channel set and the second pre- candidate channel set by stating executing subject Select payment channel.Such as the first pre- candidate payment channel set and the second pre- candidate payment channel intersection of sets collection conduct can be taken The candidate payment channel of above-mentioned payment request.

In addition, above-mentioned payment request can also include the preassigned payment channel of user in application scenes.On The preassigned payment channel of above-mentioned user can be determined as candidate payment channel corresponding with above-mentioned payment request by stating main body.

Step 203, the corresponding current channel quality parameter of each candidate payment channel is obtained.

In the present embodiment, for determining that the executing subject of the method for payment channel can obtain respectively by various methods The corresponding current quality parameter of candidate payment channel.Wherein, the current channel quality parameter of each candidate payment channel The history branch that history payment verification code corresponding with candidate's payment channel obtains success rate and paid according to identifying code Success rate is paid to be positively correlated.

Herein, above-mentioned history payment verification code obtains success rate and history payment success rate refers to, by with it is current The respective payment verification code of multiple payment requests of the time point within preset time period obtains result and according to identifying code The acquisition payment verification code success rate in the preset time period that the payment result paid is respectively analyzed, and obtained with And payment success rate.For example, sharing 100 payment requests in above-mentioned preset time period, in this 100 payment requests, have 80 payment requests successfully obtain payment verification code by payment channel, by 70 payment requests by identifying code payment at Function；It is 0.8 that then above-mentioned history payment verification code, which obtains success rate,；It is 0.7 that history, which pays success rate,.In addition, when above-mentioned default Between section can be 1 second, 2 seconds etc., above-mentioned preset time period can be set according to specific application scenarios, herein without limit It is fixed.

In application scenes, for any one candidate payment channel, above-mentioned executing subject can be to the PayPal The corresponding history payment verification code in road obtains success rate and history payment success rate distributes pre-set weight respectively, according to History payment verification code after weighting obtains the history payment success rate after success rate and weighting and generates working as the candidate channel Prepass mass parameter.Specifically, above-mentioned executing subject can by the history payment verification code after weighting obtain success rate and History after weighting pays the cumulative of success rate and as current channel quality parameter.

In these application scenarios, following public affairs are can be used in the current channel quality parameter Q of above-mentioned candidate's payment channel Formula indicates:

Q=A1 × W1+A2 × W2 (1)；

Wherein, A1 is that the corresponding history of candidate's payment channel obtains payment verification code success rate；A2 is candidate payment The corresponding history in channel pays success rate；W1, W2 are respectively the corresponding pre-set weight of A1, A2.A1 is small greater than zero In equal to 1；A2 is greater than zero, is less than or equal to 1.W1, W2 are greater than zero.

In some optional implementations of the present embodiment, the current quality parameter of each candidate payment channel also with Concurrent quantity, the concurrent quantity of the request of payment for the payment verification code acquisition request that candidate's payment channel is supported are positively correlated. Here the request of payment is the request paid according to identifying code.

It is above-mentioned that history payment verification code acquisition success rate and history are paid successfully in these optional implementations Rate distributes pre-set weight respectively, further includes: concurrent quantity and payment request to payment verification code acquisition request Concurrent quantity distributes pre-set weight；And after obtaining success rate according to the history payment verification code after weighting and weight History payment success rate generate the current channel quality parameter of the payment channel, further includes: according to the payment verification after weighting The concurrent quantity of the request of the concurrent quantity and payment after weighting of code acquisition request generates the current channel of the payment channel Mass parameter.

In these optional implementations, after the current quality parameter of each above-mentioned candidate payment channel is equal to weighting History payment verification code obtain success rate, the history payment success rate after weighting, the candidate payment channel support after weighting Payment verification code acquisition request concurrent quantity and candidate's payment channel support weighting after payment request and Send out the cumulative of quantity and.

In these optional implementations, the current quality parameter Q of a candidate payment channel may further be by such as Lower formula indicates:

Q=A1 × W1+A2 × W2+N1 × Y1+N2 × Y2 (2)；

Wherein, N1 is the concurrent quantity for the acquisition payment verification code request that candidate's payment channel is supported；N2 is the candidate The concurrent quantity of the request for the payment paid according to identifying code that payment channel is supported；Y1, Y2 are respectively N1, N2 respectively right The pre-set weight answered.N1, N2 are positive integer.Y1, Y2 are greater than zero.

In the optional implementation of other of the present embodiment, the current quality parameter of each candidate payment channel The history that history payment verification code also corresponding with candidate's payment channel obtains promptness rate and paid according to identifying code Promptness rate is paid to be positively correlated；And it is above-mentioned to history payment verification code obtain success rate and history payment success rate distribute respectively Pre-set weight, comprising: promptness rate is obtained to history payment verification code and history payment promptness rate distribution is preset Weight；And the history that the above-mentioned history payment verification code according to after weighting obtains after success rate and weighting pays success rate Generate the current channel quality parameter of the payment channel, further includes: promptness rate is obtained according to the history payment verification code after weighting And the history payment promptness rate after weighting generates the current channel quality parameter of the payment channel.

In these optional implementations, after the current quality parameter of each above-mentioned candidate payment channel is equal to weighting History payment verification code obtain success rate, the history payment success rate after weighting, the history payment verification code after weighting and obtain History payment promptness rate after promptness rate and weighting cumulative and.

If being provided with the reference response time that payment verification code obtains, such as 10 milliseconds；Above-mentioned payment verification code obtain at Power can determine as follows: if from the payment request quantity in above-mentioned preset time period be 100, in this 100 branch It pays in request, there is the corresponding payment verification code of 75 payment requests to obtain the successful time less than or equal to the above-mentioned reference response time (10 milliseconds), then above-mentioned history payment verification code obtains promptness rate equal to 75/100=0.75.Pay the calculating of successfully promptness rate Method can be obtained the calculation method of promptness rate with the above-mentioned payment verification code of analogy, not repeated herein.

In these optional implementations, the current quality parameter Q of a candidate payment channel can be by following formula It indicates:

Q=A1 × W1+A2 × W2+B1 × X1+B2 × X2 (3)；

Wherein, B1 is that the corresponding history of candidate's payment channel obtains payment verification code promptness rate；B2 is candidate payment The corresponding history payment promptness rate paid according to identifying code in channel；X1, X2 are respectively that B1, B2 are corresponding to be set in advance The weight set.B2, B2 are greater than zero, are less than or equal to 1.X1, X2 are greater than zero.

It is further alternative, what the current quality parameter of each candidate payment channel was also supported with candidate's payment channel Concurrent quantity, the concurrent quantity of the request of payment of payment verification code acquisition request are positively correlated.Here the request of payment is root The request paid according to identifying code.

In these optional implementations, after the current quality parameter of each above-mentioned candidate payment channel is equal to weighting History payment verification code obtain success rate, the history payment success rate after weighting, the history payment verification code after weighting and obtain The number of concurrent for the payment verification code acquisition request that channel after history payment promptness rate, weighting after promptness rate, weighting is supported The concurrent quantity of the request of payment after the weighting that amount and the channel are supported cumulative and.

In these optional implementations, the current quality parameter Q of candidate's payment channel may further be by as follows Formula indicates:

Q=A1 × W1+A2 × W2+B1 × X1+B2 × X2+N1 × Y1+N2 × Y2 (4)；

Wherein, N1 is the concurrent quantity for the acquisition payment verification code request that candidate's payment channel is supported；N2 is the candidate The concurrent quantity of the request for the payment paid according to identifying code that payment channel is supported；Y1, Y2 are respectively N1, N2 respectively right The pre-set weight answered.

Step 204, target PayPal is determined from least one candidate payment channel according to current channel quality parameter Road.

In the present embodiment, above-mentioned executing subject can choose current channel from least one above-mentioned candidate payment channel Quality parameter value highest one candidate payment channel is as target payment channel.

It is one of the application scenarios of the method according to the present embodiment for determining payment channel with continued reference to Fig. 3, Fig. 3 Schematic diagram 300.In the application scenarios of Fig. 3, user 301 initiates payment request 303 by terminal device 302.Payment request packet Include the corresponding type of service of the payment request.First server 304 determines rule based on the corresponding default channel of above-mentioned type of service Then determine at least one the corresponding candidate payment channel 305 of payment request 303；Then, first server 304 obtains each candidate The corresponding current channel quality parameter 306 of payment channel；Later, first server 304 is according to each candidate payment channel Current channel quality parameter determines target payment channel 307 from least one above-mentioned candidate payment channel.Finally, the first clothes Business device 304 calls above-mentioned target payment channel to complete the corresponding delivery operation 308 of payment request.

The method provided by the above embodiment of the application by receive payment request, then based on the industry in payment request The corresponding default channel of service type determines that rule determines at least one candidate payment channel, then obtains each candidate payment channel Corresponding current channel quality parameter, it is finally true from least one above-mentioned candidate payment channel according to current quality parameter Make target payment channel.It is determined and payment request pair to realize according to the current quality parameter of each candidate payment channel The target payment channel answered.It is possible to further realize the automatic switchover of payment channel by identified target payment channel, To be conducive to improve payment efficiency and pay success rate.

With further reference to Fig. 4, it illustrates the processes 400 of another embodiment for determining the method for payment channel. This is used to determine the process 400 of the method for payment channel, comprising the following steps:

Step 401, payment request is received.

Step 401 is identical as the step 201 in embodiment illustrated in fig. 2, does not repeat herein.

Step 402, determine that rule determines at least one candidate PayPal based on default channel corresponding with type of service Road.

Step 402 is identical as the step 202 in embodiment illustrated in fig. 2, does not repeat herein.

Step 403, the corresponding current channel quality parameter of each candidate payment channel is obtained.

In the present embodiment, for determine payment channel method executing subject on can obtain by various methods The corresponding current quality parameter of each candidate's payment channel.Wherein, the current channel quality of each candidate payment channel Parameter history payment verification code corresponding with candidate's payment channel obtains success rate and is gone through according to what identifying code was paid History pays success rate and is positively correlated.

Herein, above-mentioned history payment verification code obtains success rate and history payment success rate refers to, according to when current Between put before and with the respective payment verification code of multiple payment requests of the current point in time in preset time period obtain result And the payment result paid according to identifying code is respectively counted, the acquisition payment in the obtained preset time period is tested Demonstrate,prove code success rate and payment success rate.

In application scenes, for any one candidate payment channel, above-mentioned executing subject can be propped up the candidate It pays the corresponding history payment verification code acquisition success rate in channel and history payment success rate distributes pre-set weight respectively, History payment success rate after obtaining success rate and weighting according to the history payment verification code after weighting generates the candidate channel Current channel quality parameter.Specifically, the history payment verification code after weighting can be obtained success rate by above-mentioned executing subject And the history after weighting pays the cumulative of success rate and as current channel quality parameter.

In these application scenarios, following formula is can be used in the current channel quality parameter Q of above-mentioned candidate's payment channel To indicate:

Q=A11 × W12+A21 × W22 (5)；

Wherein, A11 is that the corresponding history of candidate's payment channel obtains payment verification code success rate；A21 is candidate branch It pays the corresponding history in channel and pays success rate；W12, W22 are respectively the corresponding pre-set weight of A11, A21.It needs Illustrate, the acquisition that A11, A21, W12, W22 in above-mentioned formula (5) can respectively with A1, A2, W1, W2 in formula (1) Method and numerical value are identical.

In the present embodiment, the current channel quality parameter of each candidate payment channel is also obtained with history payment verification code It takes time-consuming parameter and history to pay time-consuming parameter to be positively correlated；And above-mentioned obtain to history payment verification code and is gone through success rate History payment success rate distributes pre-set weight respectively, further includes: obtains time-consuming parameter to history payment verification code and goes through History pays the pre-set weight of time-consuming parametric distribution；And the above-mentioned history payment verification code according to after weighting obtains success rate And the history payment success rate after weighting generates the current channel quality parameter of the payment channel, further includes: after weighting History payment verification code obtain the history after time-consuming parameter and weighting and pay time-consuming parameter and generate the current of the payment channel Channel quality parameter.Wherein, payment verification code obtains time-consuming parameter and payment verification code acquisition duration used is negatively correlated；Payment consumption When parameter with using identifying code paid duration negative correlation used.That is, payment verification code acquisition duration is longer, payment It is smaller that identifying code obtains time-consuming parameter；The payment time-consuming paid according to identifying code is longer, and it is smaller to pay time-consuming parameter.

In application scenes, above-mentioned payment verification code obtains duration used can be by payment channel in preset time period Respond the TP50 index value of duration used in multiple payment verification code acquisition requests, TP90 index value, TP99 index, average value system Evaluation characterizes.

In the present embodiment, the current quality parameter of each above-mentioned candidate payment channel is equal to the history payment after weighting Identifying code obtain success rate, the history payment success rate after weighting, the history payment verification code after weighting obtain time-consuming parameter with And the history after weighting pay the cumulative of time-consuming parameter and.

In the present embodiment, the current quality parameter Q of a payment channel can be indicated by following formula:

Q=A11 × W11+A21 × W21+T1 × Z1+T2 × Z2 (5)；

Wherein, T1 is that the corresponding history payment verification code of candidate's payment channel obtains time-consuming parameter；T2 is candidate branch It pays the corresponding history paid according to identifying code in channel and pays time-consuming parameter；Above-mentioned Z1, Z2 are that above-mentioned T1, T2 are respectively corresponded to Pre-set parameter.

In some optional implementations of the present embodiment, the current quality parameter of each candidate payment channel also with The corresponding history payment verification code of candidate's payment channel obtains promptness rate and is paid according to the history that identifying code is paid Promptness rate is positively correlated.It is above-mentioned that history payment verification code acquisition success rate and history payment success rate are distributed preset respectively Weight, further includes: promptness rate is obtained to history payment verification code and history payment promptness rate distributes pre-set weight. The above-mentioned history payment verification code according to after weighting obtains the history payment success rate after success rate and weighting and generates the payment The current channel quality parameter in channel, further includes: after obtaining promptness rate and weighting according to the history payment verification code after weighting History payment promptness rate generate the current channel quality parameter of the payment channel.

In these optional implementations, after the current quality parameter of each above-mentioned candidate payment channel is equal to weighting History payment verification code obtain success rate, the history payment success rate after weighting, the history payment verification code after weighting and obtain After the history payment verification code after history payment promptness rate, weighting after promptness rate and weighting obtains time-consuming parameter and weighting History pay the cumulative of time-consuming parameter and.

In these optional implementations, the current quality parameter Q of a payment channel can be indicated by following formula:

Q=A11 × W11+A21 × W21+B11 × X11+B21 × X21+T1 × Z1+T2 × Z2 (6)；

Wherein, B11 is that the corresponding history of candidate's payment channel obtains payment verification code promptness rate；B21 is candidate branch Pay channel the corresponding history payment promptness rate paid according to identifying code；X11, X21 are respectively B11, B21 corresponding Pre-set weight.It should be noted that X11, X21, B11, B21 in above-mentioned formula (6) can be respectively and in formula (1) X1, X2, B1, B2 acquisition methods and numerical value it is identical.

Still optionally further, the current quality parameter of each candidate payment channel is also supported with candidate's payment channel Concurrent quantity, the concurrent quantity of the request of payment of payment verification code acquisition request are positively correlated.Here the request of payment is root The request paid according to identifying code.

It is above-mentioned that history payment verification code acquisition success rate and history are paid successfully in these optional implementations Rate distributes pre-set weight respectively, further includes: concurrent quantity and payment request to payment verification code acquisition request Concurrent quantity distributes pre-set weight.And the above-mentioned history payment verification code according to after weighting obtains success rate and adds History payment success rate after power generates the current channel quality parameter of the payment channel, further includes: according to the payment after weighting The concurrent quantity of the request of the concurrent quantity and payment after weighting of identifying code acquisition request generates the current of the payment channel Channel quality parameter.

In these optional implementations, after the current quality parameter of each above-mentioned candidate payment channel is equal to weighting History payment verification code obtain success rate, the history payment success rate after weighting, the history payment verification code after weighting and obtain After the history payment verification code after history payment promptness rate, weighting after promptness rate and weighting obtains time-consuming parameter and weighting History pay the candidate payment channel support after time-consuming parameter, weighting payment verification code acquisition request concurrent quantity with And the concurrent quantity of the request of the payment after the weighting supported of candidate's payment channel cumulative and.

Q=A11 × W11+A21 × W21+B11 × X11+B21 × X21+T1 × Z1+T2 × Z2+N11 × Y11+N21 × Y21(7)；

Wherein, N11 is the concurrent quantity for the acquisition payment verification code request that candidate's payment channel is supported；N21 is the time The concurrent quantity of the request for the payment paid according to identifying code for selecting payment channel to support；Y11, Y21 are respectively N11, N21 Corresponding pre-set weight.It should be noted that N11, N21, Y11, Y21 in formula (7) can be with real shown in Fig. 2 Acquisition methods and the value for applying formula in example (2) are identical.

Step 404, target PayPal is determined from least one candidate payment channel according to current channel quality parameter Road.

Step 404 is identical as the step 204 in embodiment illustrated in fig. 2, does not repeat herein.

Figure 4, it is seen that being used to determine payment channel in the present embodiment compared with the corresponding embodiment of Fig. 2 The process 400 of method, which is introduced, pays time-consuming ginseng according to the history payment verification code time-consuming parameter and history of candidate payment channel Count the current quality parameter to determine candidate payment channel.The scheme of the present embodiment description can introduce more parameters as a result, It determines the current quality parameter of candidate payment channel, determines the current of candidate payment channel so as to realize from multiple dimensions Mass parameter, so that the current quality parameter of candidate's payment channel generated is more accurate.It can further be conducive to improve Payment efficiency and payment success rate.

In some optional implementations of each embodiment of method for determining payment channel of the application, in Fig. 2 Before the step 404 of the step 204 of illustrated embodiment and embodiment shown in Fig. 4, method for determining payment channel, also It may include: to obtain the corresponding cost information of each candidate payment channel；And embodiment illustrated in fig. 2 step 204 and The step 404 of embodiment shown in Fig. 4 includes: current quality parameter according to each candidate payment channel, each candidate payment channel Cost information indicated by expense, determine target payment channel from least one above-mentioned candidate payment channel.

In these optional implementations, when distributing payment channel for payment request, in addition to considering payment channel Except current quality parameter, it is also contemplated that the expense of payment channel, thus improving the same of payment success rate and payment efficiency When, payment cost can also be reduced.

In the optional implementation of other of each embodiment of method for determining payment channel of the application, on Stating payment request includes payment amount information.The step of step 204 of embodiment shown in Fig. 2 and embodiment shown in Fig. 4 Method before 404, for determining payment channel, further includes: obtain the corresponding payment limit letter of each candidate payment channel Breath；And according to current quality parameter, each candidate payment channel payment limit information indicated by payment limit and payment Payment amount indicated by amount information determines target payment channel from least one candidate payment channel.It is real shown in Fig. 2 The step 404 of the step 204 and embodiment shown in Fig. 4 of applying example includes: according to current quality parameter, each candidate payment channel Payment limit information indicated by payment amount indicated by payment limit and payment amount information, from least one candidate Target payment channel is determined in payment channel.

In these optional implementations, when distributing payment channel for payment request, in addition to considering candidate PayPal Except the current quality parameter in road, it is also contemplated that the payment limit of candidate payment channel, so as to further increase payment at Power.

In the optional implementation of other of each embodiment of method for determining payment channel of the application, figure The method for determining payment channel of 2 illustrated embodiments and embodiment illustrated in fig. 4 may further include: in response to acquired The current channel quality parameter of any candidate payment channel arrived is less than preset threshold, generates warning message.

In these optional implementations, related personnel is warned by above-mentioned warning message, indicated by warning message Candidate payment channel go wrong, so as to promote related personnel to above-mentioned current channel quality parameter be less than preset threshold Candidate payment channel carry out manual intervention, so as to further increase payment efficiency.

With further reference to Fig. 5, as the realization to method shown in above-mentioned each figure, this application provides one kind for determining branch One embodiment of the device in channel is paid, the Installation practice is corresponding with embodiment of the method shown in Fig. 2, which specifically may be used To be applied in various electronic equipments.

As shown in figure 5, the device 500 for determining payment channel of the present embodiment includes: that receiving unit 501, first is true Order member 502, acquiring unit 503 and the second determination unit 504.Wherein, receiving unit 501 are configured to receive payment request, Wherein payment request includes the information of the corresponding type of service of payment request；First determination unit 502, is configured to be based on and industry The corresponding default channel of service type determines that rule determines at least one candidate payment channel；Acquiring unit 503 is configured to obtain Take the corresponding current channel quality parameter of each candidate payment channel；Wherein, the current channel of each candidate payment channel Mass parameter history payment verification code corresponding with candidate's payment channel obtains success rate and is paid according to identifying code History payment success rate be positively correlated；Second determination unit 504, be configured to according to current channel quality parameter from least one Target payment channel is determined in candidate payment channel.

In the present embodiment, for determine the receiving unit 501 of the device 500 of payment channel, the first determination unit 502, The specific processing of acquiring unit 503 and the second determination unit 504 and its brought technical effect can be corresponding real with reference to Fig. 2 respectively The related description of step 201 in example, step 202, step 203 and step 204 is applied, details are not described herein.

In some optional implementations of the present embodiment, for determining that the device 500 of payment channel further includes quality Parameter generating unit (not shown).Above-mentioned mass parameter generation unit is configured to: for each candidate payment channel, Success rate is obtained to the corresponding history payment verification code of candidate's payment channel and history payment success rate is distributed in advance respectively The weight of setting；History payment success rate after obtaining success rate and weighting according to the history payment verification code after weighting generates The current channel quality parameter in the candidate channel.

In some optional implementations of the present embodiment, the current channel quality parameter of each candidate payment channel Time-consuming parameter is also obtained with history payment verification code and history pays time-consuming parameter and is positively correlated；And mass parameter generation unit It is further configured to: time-consuming parameter being obtained to history payment verification code and the time-consuming parametric distribution of history payment is pre-set Weight；The time-consuming parameter of history payment after obtaining time-consuming parameter and weighting according to the history payment verification code after weighting generates should The current channel quality parameter of candidate payment channel；Wherein, payment verification code obtains time-consuming parameter and payment verification code obtains Duration used is negatively correlated；It pays time-consuming parameter and is paid duration negative correlation used with using identifying code.

In some optional implementations of the present embodiment, each candidate payment channel current quality parameter also with this The corresponding history payment verification code of candidate payment channel obtain promptness rate and the history payment that is paid according to identifying code and When rate be positively correlated；And mass parameter generation unit is further configured to: to history payment verification code obtain promptness rate and History pays promptness rate and distributes pre-set weight；And according to after weighting history payment verification code obtain success rate and History payment success rate after weighting generates the current channel quality parameter of candidate's payment channel, further includes: after weighting History payment verification code obtain the history payment promptness rate after promptness rate and weighting and generate the current channel of the payment channel Mass parameter.

In some optional implementations of the present embodiment, candidate payment channel current quality parameter is also propped up with the candidate Pay the concurrent quantity for the payment verification code acquisition request that channel is supported, the payment paid according to identifying code request it is concurrent Quantity is positively correlated；And mass parameter generation unit is further configured to: to the concurrent quantity of payment verification code acquisition request And the concurrent quantity of the request of payment distributes pre-set weight；According to the payment verification code acquisition request after weighting and The concurrent quantity of the request of payment after hair quantity and weighting generates the current channel quality parameter of candidate's payment channel.

In some optional implementations of the present embodiment, joined in the second determination unit 504 according to current channel quality Before determining target payment channel at least one candidate payment channel, acquiring unit 503 is further configured to number: being obtained Take the corresponding cost information of each candidate payment channel；And second determination unit 504 be further configured to: according to current Mass parameter, each candidate payment channel cost information indicated by expense, determined from least one candidate payment channel Target payment channel.

In some optional implementations of the present embodiment, payment request includes payment amount information；And second Determination unit 504 determined from least one candidate payment channel according to current channel quality parameter target payment channel it Before, acquiring unit 503 is further configured to: obtaining the corresponding payment limit information of each candidate payment channel；And the Two determination units 504 are further configured to: the payment limit information according to current quality parameter, each candidate payment channel is signified Payment amount indicated by the payment limit and payment amount information shown determines mesh from least one candidate payment channel Mark payment channel.

In some optional implementations of the present embodiment, for determining the device 500 of payment channel further include: alarm Unit (not shown).Alarm unit is configured to: in response to the current channel of accessed any candidate payment channel Mass parameter is less than preset threshold, generates warning message.

Below with reference to Fig. 6, it illustrates the computer systems 600 for the electronic equipment for being suitable for being used to realize the embodiment of the present application Structural schematic diagram.Electronic equipment shown in Fig. 6 is only an example, function to the embodiment of the present application and should not use model Shroud carrys out any restrictions.

As shown in fig. 6, computer system 600 includes central processing unit (CPU, Central Processing Unit) 601, it can be according to the program being stored in read-only memory (ROM, Read Only Memory) 602 or from storage section 606 programs being loaded into random access storage device (RAM, Random Access Memory) 603 and execute various appropriate Movement and processing.In RAM 603, also it is stored with system 600 and operates required various programs and data.CPU 601,ROM 602 and RAM 603 is connected with each other by bus 604.Input/output (I/O, Input/Output) interface 605 is also connected to Bus 604.

I/O interface 605 is connected to lower component: the storage section 606 including hard disk etc.；And including such as LAN (local Net, Local Area Network) card, modem etc. network interface card communications portion 607.Communications portion 607 passes through Communication process is executed by the network of such as internet.Driver 608 is also connected to I/O interface 605 as needed.Detachable media 609, such as disk, CD, magneto-optic disk, semiconductor memory etc., are mounted on as needed on driver 608, in order to from The computer program read thereon is mounted into storage section 606 as needed.

Particularly, in accordance with an embodiment of the present disclosure, it may be implemented as computer above with reference to the process of flow chart description Software program.For example, embodiment of the disclosure includes a kind of computer program product comprising be carried on computer-readable medium On computer program, which includes the program code for method shown in execution flow chart.In such reality It applies in example, which can be downloaded and installed from network by communications portion 607, and/or from detachable media 609 are mounted.When the computer program is executed by central processing unit (CPU) 601, limited in execution the present processes Above-mentioned function.It should be noted that computer-readable medium described herein can be computer-readable signal media or Computer readable storage medium either the two any combination.Computer readable storage medium for example can be --- but Be not limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination. The more specific example of computer readable storage medium can include but is not limited to: have one or more conducting wires electrical connection, Portable computer diskette, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only deposit Reservoir (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory Part or above-mentioned any appropriate combination.In this application, computer readable storage medium, which can be, any include or stores The tangible medium of program, the program can be commanded execution system, device or device use or in connection.And In the application, computer-readable signal media may include in a base band or the data as the propagation of carrier wave a part are believed Number, wherein carrying computer-readable program code.The data-signal of this propagation can take various forms, including but not It is limited to electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be computer Any computer-readable medium other than readable storage medium storing program for executing, the computer-readable medium can send, propagate or transmit use In by the use of instruction execution system, device or device or program in connection.Include on computer-readable medium Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc., Huo Zheshang Any appropriate combination stated.

The calculating of the operation for executing the application can be write with one or more programming languages or combinations thereof Machine program code, programming language include object oriented program language-such as Java, Smalltalk, C++, also Including conventional procedural programming language-such as " C " language or similar programming language.Program code can be complete It executes, partly executed on the user computer on the user computer entirely, being executed as an independent software package, part Part executes on the remote computer or executes on a remote computer or server completely on the user computer.It is relating to And in the situation of remote computer, remote computer can pass through the network of any kind --- including local area network (LAN) or extensively Domain net (WAN)-be connected to subscriber computer, or, it may be connected to outer computer (such as provided using Internet service Quotient is connected by internet).

Flow chart and block diagram in attached drawing are illustrated according to the system of the various embodiments of the application, method and computer journey The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation A part of one module, program segment or code of table, a part of the module, program segment or code include one or more use The executable instruction of the logic function as defined in realizing.It should also be noted that in some implementations as replacements, being marked in box The function of note can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are actually It can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it to infuse Meaning, the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart can be with holding The dedicated hardware based system of functions or operations as defined in row is realized, or can use specialized hardware and computer instruction Combination realize.

Being described in unit involved in the embodiment of the present application can be realized by way of software, can also be by hard The mode of part is realized.Described unit also can be set in the processor, for example, can be described as: a kind of processor packet Include receiving unit, the first determination unit, acquiring unit and the second determination unit.Wherein, the title of these units is in certain situation Under do not constitute restriction to the unit itself, for example, receiving unit is also described as " receiving the unit of payment request ".

As on the other hand, present invention also provides a kind of computer-readable medium, which be can be Included in device described in above-described embodiment；It is also possible to individualism, and without in the supplying device.Above-mentioned calculating Machine readable medium carries one or more program, when said one or multiple programs are executed by the device, so that should Device: payment request is received, wherein payment request includes the information of the corresponding type of service of payment request；It is based on and type of service Corresponding default channel determines that rule determines at least one candidate payment channel；It is corresponding to obtain each candidate payment channel Current channel quality parameter；Wherein, the current channel quality parameter and candidate's payment channel pair of each candidate payment channel The history payment success rate that the history payment verification code answered obtains success rate and paid according to identifying code is positively correlated；According to Current channel quality parameter determines target payment channel from least one candidate payment channel.

Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic Scheme, while should also cover in the case where not departing from foregoing invention design, it is carried out by above-mentioned technical characteristic or its equivalent feature Any combination and the other technical solutions formed.Such as features described above has similar function with (but being not limited to) disclosed herein Can technical characteristic replaced mutually and the technical solution that is formed.

Claims

1. a kind of method for determining payment channel, comprising:

Payment request is received, wherein the payment request includes the information of the corresponding type of service of payment request；

Determine that rule determines at least one candidate payment channel based on default channel corresponding with the type of service；

Obtain the corresponding current channel quality parameter of each candidate payment channel；Wherein, each candidate payment channel is worked as Corresponding with the candidate's payment channel history payment verification code of prepass mass parameter obtain success rate and according to identifying code into The history payment success rate of row payment is positively correlated；

Target payment channel is determined from least one described candidate payment channel according to the current channel quality parameter.

2. according to the method described in claim 1, wherein, the current channel quality parameter of each candidate payment channel is based on such as Lower step generates:

Success rate is obtained to the corresponding history payment verification code of candidate's payment channel and history payment success rate is distributed respectively Pre-set weight；

History payment success rate after obtaining success rate and weighting according to the history payment verification code after weighting generates the candidate The current channel quality parameter in channel.

3. according to the method described in claim 2, wherein, the current channel quality parameter of each candidate payment channel also with go through History payment verification code obtains time-consuming parameter and history pays time-consuming parameter and is positively correlated；And

The corresponding history payment verification code of described pair of candidate's payment channel obtains success rate and history payment success rate difference Distribute pre-set weight, further includes:

Time-consuming parameter is obtained to the history payment verification code and the history pays the pre-set power of time-consuming parametric distribution Weight；And

The history payment verification code according to after weighting obtains the history payment success rate generation after success rate and weighting should The current channel quality parameter of candidate payment channel, further includes:

The time-consuming parameter of history payment after obtaining time-consuming parameter and weighting according to the history payment verification code after weighting generates should The current channel quality parameter of candidate payment channel；

Wherein, payment verification code obtains time-consuming parameter and payment verification code acquisition duration used is negatively correlated；Pay time-consuming parameter with Using identifying code paid used in duration it is negatively correlated.

4. according to the method in claim 2 or 3, wherein each candidate payment channel current quality parameter also with the time The corresponding history payment verification code of payment channel is selected to obtain promptness rate and paid according to the history that identifying code is paid timely Rate is positively correlated；And

Promptness rate is obtained to the history payment verification code and history payment promptness rate distributes pre-set weight；With And

History payment promptness rate after obtaining promptness rate and weighting according to the history payment verification code after weighting generates the payment The current channel quality parameter in channel.

5. according to the method described in claim 4, wherein, the current quality parameter of each candidate's payment channel is also propped up with the candidate Pay the concurrent quantity for the payment verification code acquisition request that channel is supported, the payment paid according to identifying code request it is concurrent Quantity is positively correlated；And

The concurrent quantity distribution of the request of concurrent quantity and the payment to the payment verification code acquisition request is set in advance The weight set；And

According to the request of the payment after the concurrent quantity of the payment verification code acquisition request after weighting and weighting Concurrent quantity generates the current channel quality parameter of candidate's payment channel.

6. according to the method described in claim 1, wherein, it is described according to the current channel quality parameter from described at least one Before determining target payment channel in a candidate's payment channel, the method also includes:

Obtain the corresponding cost information of each candidate payment channel；And

It is described that target PayPal is determined from least one described candidate payment channel according to the current channel quality parameter Road, comprising:

According to the current quality parameter, each candidate payment channel cost information indicated by expense, from it is described at least one Target payment channel is determined in candidate payment channel.

7. according to the method described in claim 1, wherein, the payment request includes payment amount information；And

Determine that target is paid from least one described candidate payment channel according to the current channel quality parameter described Before channel, the method also includes:

Obtain the corresponding payment limit information of each candidate payment channel；And

According to the current quality parameter, each candidate payment channel payment limit information indicated by payment limit and described Payment amount indicated by payment amount information determines target payment channel from least one described candidate payment channel.

8. according to the method described in claim 1, wherein, the method also includes: it any candidate is propped up in response to accessed The current channel quality parameter for paying channel is less than preset threshold, generates warning message.

9. a kind of for determining the device of payment channel, comprising:

Receiving unit is configured to receive payment request, wherein the payment request includes the corresponding type of service of payment request Information；

First determination unit is configured to determine that rule determines at least one based on default channel corresponding with the type of service A candidate's payment channel；

Acquiring unit is configured to obtain the corresponding current channel quality parameter of each candidate payment channel；Wherein, each The current channel quality parameter of candidate payment channel history payment verification code corresponding with candidate's payment channel obtains success rate And the history payment success rate paid according to identifying code is positively correlated；

Second determination unit is configured to according to the current channel quality parameter from least one described candidate payment channel Determine target payment channel.

10. a kind of server, comprising:

One or more processors；

Storage device is stored thereon with one or more programs,

When one or more of programs are executed by one or more of processors, so that one or more of processors are real Now such as method described in any one of claims 1-8.

11. a kind of computer-readable medium, is stored thereon with computer program, wherein the realization when program is executed by processor Such as method described in any one of claims 1-8.