CN110097350A - A kind of transaction data mediating transmission system - Google Patents
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- CN110097350A CN110097350A CN201910320305.3A CN201910320305A CN110097350A CN 110097350 A CN110097350 A CN 110097350A CN 201910320305 A CN201910320305 A CN 201910320305A CN 110097350 A CN110097350 A CN 110097350A
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Abstract
The present invention provides a kind of transaction data mediating transmission system, for selecting suitable first path and the second path and combining the payment path to be formed from specific user terminal to specific payment system；It include: data obtaining module, for obtaining the payment information of user terminal transmission；Payment gateway module, link information obtains module, includes the relevant information for being used to indicate corresponding payment system in processing result to obtain the processing result for being associated with payment information for receiving and processing payment information；Processing module is connect with payment gateway module, is analyzed processing result for judging payment system, and according to judging result to select corresponding payment path, to realize payment processing by payment path.The beneficial effects of the present invention are: optimal payment path is selected according to Transaction Information, neatly selects the payment path for being most suitable for current payment processing to realize, the use cost in payment path is effectively reduced, and improve payment success rate.
Description
Technical field
The present invention relates to field of communication technology more particularly to a kind of transaction data mediating transmission systems.
Background technique
Now with the development of Internet technology, the means of payment is gradually substituted by payment on line under original line, therefore
How to improve payment on line becomes a new theme.
In the prior art, the payment cost in each payment path is different with other payment consumption, and in the prior art often
It completes to pay on line by specified payment path, however, specified payment path is not necessarily optimal payment path, therefore
The payment path of selection is not to be most suitable for the payment path of current payment processing, so as to cause excessive payment path use at
This, or even will affect the success rate of current payment processing.
Summary of the invention
For the above-mentioned problems in the prior art, one kind is now provided and is intended to select most preferably to pay path to reduce branch
Pay the transaction data mediating transmission system of cost.
Specific technical solution is as follows:
A kind of transaction data mediating transmission system, wherein transaction data mediating transmission system and external a plurality of clients
Between connected by multiple selectable first paths, transaction data mediating transmission system also with external multiple payment systems it
Between by multiple selectable second paths connections, transaction data mediating transmission system is for selecting suitable first path and the
Simultaneously combine the payment path to be formed from specific user terminal to specific payment system in two paths；
Transaction data mediating transmission system includes:
Data obtaining module, for obtaining the payment information of user terminal transmission；
Payment gateway module, link information obtains module, for receiving and processing payment information, to obtain being associated with payment
The processing result of information includes the relevant information for being used to indicate corresponding payment system in processing result；
Processing module is connect with payment gateway module, for judging payment system, and according to judging result to place
Reason result is analyzed to select corresponding payment path, to realize payment processing by payment path.
Preferably, transaction data mediating transmission system, wherein processing module includes:
Judging unit corresponds to whether payment system is preset with fixed payment path for judging, and exports judgement knot
Fruit；
Computing unit, connection judgment unit are used for according to judging result, fixed not being preset with corresponding to payment system
When paying path, according to processing result, the payment of payment system can be reached from user terminal to every according to a default scoring formula
Path is calculated, and exports calculated result；
Path selection unit, is separately connected judging unit and computing unit, and path selection unit is used for according to judging result
And calculated result:
When judging result indicates that corresponding to payment system is preset with fixed payment path, path selection unit selection is solid
Fixed payment path carries out payment processing；
When judging that judging result indicates that corresponding to payment system is not preset with fixed payment path, path selection unit
Optimal payment path is selected to carry out payment processing according to calculated result.
Preferably, transaction data mediating transmission system, wherein processing module further includes transaction engine unit, transaction engine
Unit is connect with judging unit, and transaction engine unit is used for judging whether the payment system in processing result is online, and only will be upper
Processing result corresponding to the payment system of line is sent to judging unit.
Preferably, transaction data mediating transmission system, wherein computing unit includes multiple scoring components, each scoring group
Part is used to calculate the corresponding scoring of the calculating factor different in payment path, and the calculated result of computing unit final output includes each
The final scoring that a payment path is obtained according to all calculating factors.
Preferably, transaction data mediating transmission system, wherein default scoring formula is as follows:
S=(z1×p1+z2×p2+......+zn×pn)÷(n)；
Wherein, S is for indicating calculated result；
Z is for the corresponding scoring for calculating the factor of table scoring component；
P is for indicating the corresponding weight of scoring component；
N is used to indicate the quantity of scoring component.
Preferably, transaction data mediating transmission system, wherein
Processing result further includes transaction amount, exchange hour and type of transaction；
Scoring component includes cost scoring component, and cost scoring component includes:
Cost calculation block calculates the cost money in payment path according to transaction amount rate corresponding with payment path；
Type of transaction calculation block, according to type of transaction judge the corresponding payment system of type of transaction type of payment whether be
Preset kind；
When the type of payment of the corresponding payment system of type of transaction is preset kind, the dimension score value of type of transaction is defined
It is 1；
When the type of payment of the corresponding payment system of type of transaction is not preset kind, the dimension score value of type of transaction is determined
Justice is 0；
Whether route maintenance time calculation block judges exchange hour in the corresponding maintenance time for paying path of payment system
It is interior；
When exchange hour payment system it is corresponding payment path maintenance time in, the maintenance time in path will be paid
Dimension score value is defined as 0；
When exchange hour not payment system it is corresponding payment path maintenance time in, the maintenance time in path will be paid
Dimension score value be defined as 1；
Maximum payment amount calculation block, judges whether the maximum payment amount of payment system is greater than or equal to transaction amount；
When the maximum payment amount of payment system is greater than or equal to transaction amount, by the maximum payment amount of payment system
Dimension score value be defined as 1；
When the maximum payment amount of payment system is less than transaction amount, by the dimension of the maximum payment amount of payment system
Score value is defined as 0.
Preferably, transaction data mediating transmission system, wherein cost assemblies by following formula calculate payment path at
This scoring；
The ÷ of y=a × b × c × d × 100 e；
Wherein, a is for indicating cost money；
B is used to indicate the dimension score value of type of transaction；
C is used to indicate the dimension score value of the maintenance time in payment path；
D is used to indicate the dimension score value of the maximum payment amount of payment system；
E is used to indicate to reach the quantity in the payment path of payment system from user terminal.
Preferably, transaction data mediating transmission system, wherein processing module further includes storage unit, is used for store transaction
The payment path of data and the corresponding fixation of payment system.
Above-mentioned technical proposal has the following advantages that or the utility model has the advantages that selects optimal payment path according to Transaction Information, from
And realize and neatly select the payment path for being most suitable for current payment processing, the use cost in payment path is effectively reduced, and
And improve payment success rate.
Detailed description of the invention
With reference to appended attached drawing, more fully to describe the embodiment of the present invention.However, appended attached drawing be merely to illustrate and
It illustrates, and is not meant to limit the scope of the invention.
Fig. 1 is the structural schematic diagram of transaction data mediating transmission system embodiment of the present invention；
Fig. 2 is the structural schematic diagram of the processing module of transaction data mediating transmission system embodiment of the present invention；
Fig. 3 is the annexation figure of transaction data mediating transmission system and user terminal and payment system of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art without creative labor it is obtained it is all its
His embodiment, shall fall within the protection scope of the present invention.
It should be noted that in the absence of conflict, the feature in embodiment and embodiment in the present invention can phase
Mutually combination.
The present invention will be further explained below with reference to the attached drawings and specific examples, but not as the limitation of the invention.
The present invention includes a kind of transaction data mediating transmission system, as shown in figure 3, transaction data mediating transmission system 6 with
By multiple selectable connections of first paths 41 between external a plurality of clients 4, transaction data mediating transmission system 6 also with
It is connected between external multiple payment systems 5 by multiple selectable second paths 51, transaction data mediating transmission system 6 is used
In selecting suitable first path 41 and the second path 51 and combine to be formed from specific user terminal 4 to specific payment system 5
Payment path；
As shown in Figure 1, transaction data mediating transmission system 6 includes:
Data obtaining module 1, for obtaining the payment information of the transmission of user terminal 4；
Payment gateway module 2, link information obtains module 1, for receiving and processing payment information, to obtain being associated with branch
The processing result of information is paid, includes the relevant information for being used to indicate corresponding payment system 5 in processing result；
Processing module 3 is connect with payment gateway module 2, for judging payment system 5, and according to judging result
Processing result is analyzed to select corresponding payment path, to realize payment processing by payment path.
In the above-described embodiments, payment information can be obtained by transaction data mediating transmission system 6, and to payment information
It is handled, and selects optimal payment path according to processing result, be most suitable for current payment to realize and neatly select
The payment path of processing, is effectively reduced the use cost in payment path, and improves payment success rate.
Further, in the above-described embodiments, as shown in Fig. 2, processing module 3 includes:
Judging unit 33 corresponds to whether payment system 5 is preset with fixed payment path for judging, and exports judgement
As a result；
Computing unit 32, connection judgment unit 33, for not being preset with corresponding to payment system 5 according to judging result
When fixed payment path, according to processing result, payment system can be reached from user terminal 4 to every according to a default scoring formula
5 payment path is calculated, and exports calculated result；
Path selection unit 31, is separately connected judging unit 33 and computing unit 32, and path selection unit 31 is used for basis
Judging result and calculated result:
When judging result indicates that corresponding to payment system 5 is preset with fixed payment path, path selection unit 31 is selected
It selects fixed payment path and carries out payment processing；
When judging that judging result indicates that corresponding to payment system 5 is not preset with fixed payment path, path is chosen single
Member 31 selects optimal payment path to carry out payment processing according to calculated result.
Judging unit 33 can be by judging whether every can meet admittedly from the payment path that user terminal reaches payment system
The configuration in fixed payment path, completes payment processing as optimal payment path for the payment path for meeting configuration, thus
Reduce the selection time in payment path, and then accelerates the speed of payment processing.
The configuration information in fixed payment path can be from setting, such as may include payment number, payment system etc.；
When any one in the payment number and payment system etc. in processing result meets the configuration in fixed payment path
When information, then the payment path is judged for fixed payment path, to realize payment processing by the payment path of the fixation.
Further, in the above-described embodiments, transaction data mediating transmission system 6 includes supplement payment path module, with
Processing module 3 connects, and is stored in supplement payment path module and pays path corresponding to multiple supplements of payment system 5, works as place
Reason module 3 can not obtain fixed payment path, and when can not obtain corresponding payment path by default scoring formula, benefit
Fill payment path module it is available in randomly select a supplement in multiple supplements payment path and pay path, paid with realizing
Processing.
Wherein, payment path includes compensated information, can be the payment when the compensated information for paying path is to open
Path is arranged to compensate for payment path.
Further, in the above-described embodiments, processing module 3 further includes transaction engine unit, transaction engine unit with sentence
Disconnected unit 33 connects, and transaction engine unit is used for judging whether the payment system 5 in processing result is online, and only by online branch
It pays processing result corresponding to system 5 and is sent to judging unit 33.To improve the validity of payment processing.
And transaction engine unit may determine that the safety of payment system 5, to improve the safety of payment processing.
Further, in the above-described embodiments, computing unit 32 includes multiple scoring components, and each scoring component is based on
The corresponding scoring of the calculating factor different in payment path is calculated, the calculated result of 32 final output of computing unit includes each payment
The final scoring that path is obtained according to all calculating factors.
Wherein each scoring component can have corresponding code of points, preset scoring formula and pass through multicomponent (or various dimensions)
Code of points calculated, so as to according to the appraisal result of each scoring component according to above-mentioned default scoring formula calculating
The comprehensive score in each payment path out, and optimal payment path is scored as final according to the selection of the result of comprehensive score
Payment path, thus be effectively reduced payment path use cost, and then improve payment success rate.
Further, in the above-described embodiments, it is as follows to preset scoring formula:
S=(z1×p1+z2×p2+……+zn×pn)÷(n)； (1)
Wherein, S is for indicating calculated result；
Z is for the corresponding scoring for calculating the factor of table scoring component；
P is for indicating the corresponding weight of scoring component；
N is used to indicate the quantity of scoring component.
Wherein, it when using above-mentioned formula (1), can first pass through the progress multiplying of each scoring component with can be first
The payment path that multiplication result is greater than 0 is filtered out, then selects optimal payment path using above-mentioned formula (1), can accelerate to select
Select the speed in optimal payment path；
Each corresponding weight of scoring component is simultaneously not fixed, and can according to need progress from setting.
And above-mentioned formula (1) has the advantage that
1, for each scoring component without the difference of primary attribute component and personalization component, i.e., each component is settable right
The weight answered；
2, the scoring calculation formula of each scoring component can be different, and the standard of the component that scores finally to score is unified
(such as can be hundred-mark system)；
3, calculated by formula and can directly reject in ineligible payment path with veto by one vote (such as when a branch
It when the appraisal result for paying path is 0, can directly reject)；
4, it is finally scored by each channel of mean value calculation, formula is relatively unified, does not have big modification.
Further, as preferred embodiment, presetting scoring formula can be as follows:
S=y × p × z1×z2……×zn； (2)
Wherein, S is for indicating calculated result；
Y is for indicating that cost scores；
Q is for indicating the corresponding weight of cost scoring；
Z is for other scorings of table；
N is used to indicate the quantity of other scoring components.
It is had the advantage that using above-mentioned formula (2) as default scoring formula
1, primary attribute weight is only set, other personalization components are only used as the conditions for use in payment path, fairly simple；
2, ineligible payment path veto by one vote can be more intuitively easy to understand by multiplication calculating, example
When the appraisal result for such as paying path when one is 0, can directly it reject；
3, other personalization components can be used as the condition of primary attribute Assembly calculation scoring, can also not use, i.e. basis
Specific requirements are carried out from setting.
However when using above-mentioned formula (2), newly-increased other assemblies need to modify formula (2), and change range is big, more numerous
It is trivial.
Further, processing result further includes transaction amount, exchange hour and type of transaction in the above-described embodiments；
Scoring component includes cost scoring component, and cost scoring component includes:
Cost calculation block calculates the cost money in payment path according to transaction amount rate corresponding with payment path；
Type of transaction calculation block, according to type of transaction judge the corresponding payment system 5 of type of transaction type of payment whether
For preset kind；
When the type of payment of the corresponding payment system 5 of type of transaction is preset kind, the dimension score value of type of transaction is determined
Justice is 1；
When the type of payment of the corresponding payment system 5 of type of transaction is not preset kind, by the dimension score value of type of transaction
It is defined as 0；
Whether route maintenance time calculation block judges exchange hour in the maintenance in the corresponding payment path of payment system 5
In；
When exchange hour payment system 5 it is corresponding payment path maintenance time in, the maintenance time in path will be paid
Dimension score value be defined as 0；
When exchange hour is not in the maintenance time in the corresponding payment path of payment system 5, when by the maintenance for paying path
Between dimension score value be defined as 1；
Maximum payment amount calculation block, judges whether the maximum payment amount of payment system 5 is greater than or equal to transaction amount；
When the maximum payment amount of payment system 5 is greater than or equal to transaction amount, by the maximum payment gold of payment system 5
The dimension score value of volume is defined as 1；
When the maximum payment amount of payment system 5 is less than transaction amount, by the dimension of the maximum payment amount of payment system 5
Degree score value is defined as 0.
Further, as preferred embodiment, cost calculation component can be configured according to payment path in service charge
Corresponding rate is inquired in information configuration table, and payment path is calculated according to transaction amount rate corresponding with payment path
Cost money.
It is calculated for example, cost calculation component can be realized by following step:
Step A1 obtains corresponding payment path according to the payment system 5 in processing result；
Step A2, according to the corresponding rate types of payment path query；
Corresponding rate is calculated according to rate types in step A3；
Step A4 calculates the cost money in payment path according to transaction amount rate corresponding with payment path.
Further, as preferred embodiment, preset kind can be T0 type.Wherein, T0 type can be branch
Account is arrived on the day of paying treated payment amount.
Further, in the above-described embodiments, cost assemblies are scored by the cost that following formula calculate payment path；
The ÷ of y=a × b × c × d × 100 e； (3)
Wherein, a is for indicating cost money；
B is used to indicate the dimension score value of type of transaction；
C is used to indicate the dimension score value of the maintenance time in payment path；
D is used to indicate the dimension score value of the maximum payment amount of payment system 5；
E is used to indicate the quantity in the payment path that every can reach payment system from user terminal.
And above-mentioned formula (3) has the advantage that
1, calculated by formula and can directly reject in ineligible payment path with veto by one vote (such as when a branch
It when the appraisal result for paying path is 0, can directly reject)；
2, it is finally scored by each channel of mean value calculation, formula is relatively unified, does not have big modification.
Further, in the above-described embodiments, processing module 3 further includes storage unit, is used for store transaction data and branch
Pay the payment path of the corresponding fixation of system 5.
Further, as preferred embodiment, transaction data mediating transmission system 6 further includes tentative calculation module, with place
Manage module 3 connect, for inputting virtual payment information, and according to virtual payment information according to above-mentioned default scoring formula to virtual
Payment information is calculated to obtain corresponding virtual payment path.
When the trial result meets it is expected when, fixed payment can be set by the corresponding payment path of above-mentioned payment processing
Path, and corresponding configuration information is substituted into memory module, to realize payment system 5 corresponding in above-mentioned memory module
Payment certain path replacement be the obtained payment path of tentative calculation module.
In the above-described embodiment, 3 logical codes that need to be safeguarded on the same day of tentative calculation module and processing module, tentative calculation module
The calculating Problem-Error in tentative calculation process may be implemented, to increase the success rate for selecting optimal payment path.
The above is only preferred embodiments of the present invention, are not intended to limit the implementation manners and the protection scope of the present invention, right
For those skilled in the art, it should can appreciate that and all replace with being equal made by description of the invention and diagramatic content
It changes and obviously changes obtained scheme, should all be included within the scope of the present invention.
Claims (8)
1. a kind of transaction data mediating transmission system, which is characterized in that the transaction data mediating transmission system is more with outside
It is connected between a user terminal by multiple selectable first paths, the transaction data mediating transmission system is also more with outside
By multiple selectable second path connections between a payment system, the transaction data mediating transmission system is closed for selecting
The suitable first path and second path simultaneously combine to be formed from the specific user terminal to the specific payment system
The payment path of system；
The transaction data mediating transmission system includes:
Data obtaining module, the payment information sent for obtaining the user terminal；
Payment gateway module connects the data obtaining module, for receiving and processing the payment information, to be associated with
The processing result of the payment information includes the related letter for being used to indicate the corresponding payment system in the processing result
Breath；
Processing module is connect with the payment gateway module, for judging the payment system, and according to judging result
The processing result is analyzed to select the corresponding payment path, to be realized at payment by the payment path
Reason.
2. transaction data mediating transmission system as described in claim 1, which is characterized in that the processing module includes:
Judging unit corresponds to whether the payment system is preset with the fixed payment path for judging, and exports and sentence
Disconnected result；
Computing unit connects the judging unit, for not preset corresponding to the payment system according to the judging result
It, can be from the user to every according to a default scoring formula according to the processing result when having the fixed payment path
The payment path that end reaches the payment system is calculated, and exports calculated result；
Path selection unit, is separately connected the judging unit and the computing unit, and the path selection unit is used for basis
The judging result and the calculated result:
When the judging result indicates that corresponding to the payment system is preset with the fixed payment path, the path choosing
The payment path for taking Unit selection fixed carries out payment processing；
It is described when the judgement judging result indicates that corresponding to the payment system is not preset with the fixed payment path
Path selection unit selects the optimal payment path to carry out payment processing according to the calculated result.
3. transaction data mediating transmission system as claimed in claim 2, which is characterized in that the processing module further includes transaction
Engine unit, the transaction engine unit are connect with the judging unit, and the transaction engine unit is for judging the processing
Whether the payment system in as a result is online, and only sends the processing result corresponding to the online payment system
To the judging unit.
4. transaction data mediating transmission system as claimed in claim 2, which is characterized in that the computing unit includes multiple comments
Subassembly, each scoring component are used to calculate the corresponding scoring of the calculating factor different in the payment path, the meter
The calculated result for calculating unit final output includes each payment path according to all most final reviews for calculating the factors and obtaining
Point.
5. transaction data mediating transmission system as claimed in claim 4, which is characterized in that the default following institute of scoring formula
Show:
S=(z1×p1+z2×p2+......+zn×pn)÷(n)；
Wherein, S is for indicating the calculated result；
Z is for the corresponding scoring for calculating the factor of scoring component described in table；
P is for indicating the corresponding weight of the scoring component；
N is used to indicate the quantity of the scoring component.
6. transaction data mediating transmission system as claimed in claim 4, which is characterized in that
The processing result further includes transaction amount, exchange hour and type of transaction；
The scoring component includes cost scoring component, and the cost scoring component includes:
Cost calculation block, according to the corresponding rate of the transaction amount and the payment path calculate the payment path at
Capital sum；
Type of transaction calculation block judges the payment class of the corresponding payment system of the type of transaction according to the type of transaction
Whether type is preset kind；
When the type of payment of the corresponding payment system of the type of transaction is the preset kind, by the type of transaction
Dimension score value is defined as 1；
When the type of payment of the corresponding payment system of the type of transaction is not the preset kind, by the type of transaction
Dimension score value be defined as 0；
Whether route maintenance time calculation block judges the exchange hour in the corresponding maintenance for paying path of the payment system
In time；
When the exchange hour is in the maintenance time in the corresponding payment path of the payment system, by the dimension in the payment path
The dimension score value of shield time is defined as 0；
When the exchange hour is not in the maintenance time in the corresponding payment path of the payment system, by the payment path
The dimension score value of maintenance time is defined as 1；
Maximum payment amount calculation block, judges whether the maximum payment amount of the payment system is greater than or equal to the trade gold
Volume；
It, will be described in the payment system when the maximum payment amount of the payment system is greater than or equal to the transaction amount
The dimension score value of maximum payment amount is defined as 1；
When the maximum payment amount of the payment system is less than the transaction amount, by the maximum branch of the payment system
The dimension score value for paying the amount of money is defined as 0.
7. transaction data mediating transmission system as claimed in claim 6, which is characterized in that the cost assemblies pass through following public affairs
Formula calculates the cost scoring in the payment path；
The ÷ of y=a × b × c × d × 100 e；
Wherein, a is for indicating the cost money；
B is used to indicate the dimension score value of the type of transaction；
C is used to indicate the dimension score value of the maintenance time in the payment path；
D is used to indicate the dimension score value of the maximum payment amount of the payment system；
E is used to indicate to reach from the user terminal quantity in the payment path of the payment system.
8. transaction data mediating transmission system as described in claim 1, which is characterized in that the processing module further includes storage
Unit, for storing the payment path of the transaction data and the corresponding fixation of the payment system.
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| CN110958178A (en) * | 2019-11-28 | 2020-04-03 | 中国银行股份有限公司 | Method and device for determining shortest path between systems |
| CN111179060A (en) * | 2019-12-30 | 2020-05-19 | 中国银行股份有限公司 | Transaction path selection method and device in transfer processing process |
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Application publication date: 20190806 |