CN112651733A - Channel route selection method, device, equipment and storage medium - Google Patents
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Abstract
The invention relates to the field of artificial intelligence, and discloses a channel routing method, a device, equipment and a storage medium, which are used for routing a transaction channel, wherein the method comprises the following steps: receiving a transaction request of a user, and extracting user transaction information in the transaction request; determining a first attribution channel from a preset channel configuration table according to user transaction information, and attributing a transaction request to the first attribution channel; judging whether the transaction request meets the routing factor of the first attribution channel, if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the multiple main channels, attributing the transaction request to the second attribution channel, if so, attributing the transaction request to the first attribution channel, and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment. In addition, the invention also relates to a block chain technology, and user transaction information of a user can be stored in the block chain.
Description
Technical Field
The present invention relates to the field of artificial intelligence, and in particular, to a channel routing method, apparatus, device, and storage medium.
Background
The channel selection is an important flow in the channel reporting process, and the system can select a corresponding channel according to the attributes of the transaction through channel routing to perform transaction reporting. How to select a proper channel is an important problem in the channel reporting function and a problem that many trading systems are in urgent need of optimization. For the channel reporting process, a customizable and intelligent channel routing can improve the transaction efficiency, reduce the customer complaints caused by slow deduction and greatly reduce the expenditure of channel cost.
The traditional channel selection function is single, the transaction attribution channels cannot be intelligently distributed, and the fixed routing method in the past enables the report transaction to fail due to non-customer reasons for a plurality of times, so that customers worry about overdue risks, cause a large amount of consultation and complaints, consume a large amount of precious operation and maintenance manpower, increase the overall operation and maintenance cost, reduce the overall working efficiency and influence the customer satisfaction. Meanwhile, because channel selection cannot be intelligently selected, the expense is high, and the payment cost of a company is increased.
Disclosure of Invention
The invention mainly aims to solve the technical problem that the transaction fails due to non-customer reasons caused by single channel selection function.
The invention provides a channel routing method in a first aspect, which comprises the following steps:
receiving a transaction request of a user, and extracting user transaction information in the transaction request;
determining a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels;
judging whether the transaction request meets the routing factor of the first attribution channel;
if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel;
and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment.
Optionally, in a first implementation manner of the first aspect of the present invention, the channel configuration table further includes an available customer group tag corresponding to the payment channel, and the determining, according to the user transaction information, a first attribution channel from a preset channel configuration table, and attributing the transaction request to the first attribution channel includes:
determining a current available guest group label corresponding to the user transaction information from the guest group label;
and selecting a first attribution channel corresponding to all the user transaction information from the channel configuration table according to the current available customer group label.
Attributing the transaction request to the first attribution channel.
Optionally, in a second implementation manner of the first aspect of the present invention, before pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user, so that the user completes transaction payment, the method further includes:
judging whether a first attribution channel or a second attribution channel to which the transaction request belongs is a shortcut channel;
if the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel, judging whether the transaction request meets a preset shortcut signing condition;
and if not, rejecting the transaction request.
Optionally, in a third implementation manner of the first aspect of the present invention, after the rejecting the transaction request, the method further includes:
acquiring the removed transaction request and the transaction request with the abnormal attribution channel;
and attributing the removed transaction requests and the transaction requests with the abnormal attribution channels into a preset bottom channel.
Optionally, in a fourth implementation manner of the first aspect of the present invention, after attributing the removed transaction requests and transaction requests with an attribution channel abnormality to a preset bottom-holding channel, the method further includes:
taking the transaction channel corresponding to the attribution channel abnormality as a test transaction channel;
executing at least one test operation by using the test transaction channel, and detecting the success rate of the test transaction channel for completing the test operation according to a preset time interval;
and if the success rate is lower than a preset threshold value, marking an unavailable mark on the transaction channel corresponding to the attribution channel abnormality.
Optionally, in a fifth implementation manner of the first aspect of the present invention, after attributing the removed transaction requests and transaction requests with an attribution channel abnormality to a preset bottom-holding channel, the method further includes:
judging whether the first transaction amount in the transaction request is larger than the single maximum transaction amount of the attributive payment channel;
if so, splitting the first transaction amount according to the single maximum transaction amount to obtain a second transaction amount with the transaction number not less than two;
adding the second transaction amount to the transaction request.
Optionally, in a sixth implementation manner of the first aspect of the present invention, before pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user, so that the user completes transaction payment, the method further includes:
judging whether the user opens an account for the first attribution channel or the second attribution channel or not according to the user transaction information;
if not, generating corresponding account opening prompt information, and sending the account opening prompt information to the terminal where the user is located;
and if so, acquiring the payment card information bound with the first attribution channel or the second attribution channel so that the user can pay according to the payment card information.
A second aspect of the present invention provides a channel routing apparatus, including:
the request receiving module is used for receiving a transaction request of a user and extracting user transaction information in the transaction request;
the first channel attribution module is used for determining a first attribution channel from a preset channel configuration table according to the user transaction information and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels;
the judging module is used for judging whether the transaction request meets the routing factor of the first attribution channel;
the second channel attribution module is used for determining a second attribution channel which can enable the transaction request to meet the routing factor from a plurality of main channels when the transaction request does not meet the routing factor of the first attribution channel, and attributing the transaction request to the second attribution channel;
and the pushing module is used for pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment.
Optionally, in a first implementation manner of the second aspect of the present invention, the channel configuration table further includes an available customer group tag corresponding to the payment channel, and the first channel attribution module is specifically configured to:
determining a current available guest group label corresponding to the user transaction information from the guest group label;
and selecting a first attribution channel corresponding to all the user transaction information from the channel configuration table according to the current available customer group label.
Attributing the transaction request to the first attribution channel.
Optionally, in a second implementation manner of the second aspect of the present invention, the channel routing apparatus further includes a shortcut channel module, where the shortcut channel module is specifically configured to:
judging whether a first attribution channel or a second attribution channel to which the transaction request belongs is a shortcut channel;
if the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel, judging whether the transaction request meets a preset shortcut signing condition;
and if not, rejecting the transaction request.
Optionally, in a third implementation manner of the second aspect of the present invention, the channel routing apparatus further includes a bottom module, where the bottom module is specifically configured to:
acquiring the removed transaction request and the transaction request with the abnormal attribution channel;
and attributing the removed transaction requests and the transaction requests with the abnormal attribution channels into a preset bottom channel.
Optionally, in a fourth implementation manner of the second aspect of the present invention, the channel routing apparatus further includes a testing module, where the testing module is specifically configured to:
taking the transaction channel corresponding to the attribution channel abnormality as a test transaction channel;
executing at least one test operation by using the test transaction channel, and detecting the success rate of the test transaction channel for completing the test operation according to a preset time interval;
and if the success rate is lower than a preset threshold value, marking an unavailable mark on the transaction channel corresponding to the attribution channel abnormality.
Optionally, in a fifth implementation manner of the second aspect of the present invention, the channel routing apparatus further includes a splitting module, where the splitting module is specifically configured to:
judging whether the first transaction amount in the transaction request is larger than the single maximum transaction amount of the attributive payment channel;
if so, splitting the first transaction amount according to the single maximum transaction amount to obtain a second transaction amount with the transaction number not less than two;
adding the second transaction amount to the transaction request.
Optionally, in a sixth implementation manner of the second aspect of the present invention, the channel routing apparatus further includes an account opening module, where the account opening module is specifically configured to:
judging whether the user opens an account for the first attribution channel or the second attribution channel or not according to the user transaction information;
if not, generating corresponding account opening prompt information, and sending the account opening prompt information to the terminal where the user is located;
and if so, acquiring the payment card information bound with the first attribution channel or the second attribution channel so that the user can pay according to the payment card information.
A third aspect of the present invention provides a channel routing apparatus, comprising: a memory having instructions stored therein and at least one processor, the memory and the at least one processor interconnected by a line; the at least one processor invokes the instructions in the memory to cause the channel routing apparatus to perform the steps of the channel routing method described above.
A fourth aspect of the present invention provides a computer-readable storage medium having stored therein instructions, which, when run on a computer, cause the computer to perform the steps of the channel routing method described above.
In the technical scheme of the invention, a transaction request of a user is received, and user transaction information in the transaction request is extracted; determining a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels; judging whether the transaction request meets the routing factor of the first attribution channel; if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel; and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost. In addition, the invention also relates to a block chain technology, and the user transaction information can be stored in the block chain.
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FIG. 1 is a diagram of a channel routing method according to a first embodiment of the present invention;
FIG. 2 is a diagram of a channel routing method according to a second embodiment of the present invention;
FIG. 3 is a diagram of a channel routing method according to a third embodiment of the present invention;
FIG. 4 is a diagram of a channel routing method according to a fourth embodiment of the present invention;
FIG. 5 is a diagram of a fifth embodiment of a channel routing method according to the embodiment of the present invention;
FIG. 6 is a schematic diagram of an embodiment of a channel routing apparatus according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of another embodiment of a channel routing apparatus according to an embodiment of the present invention;
fig. 8 is a diagram of an embodiment of a channel routing apparatus according to an embodiment of the present invention.
Detailed Description
In the technical scheme of the invention, a transaction request of a user is received, and user transaction information in the transaction request is extracted; determining a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels; judging whether the transaction request meets the routing factor of the first attribution channel; if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel; and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost. In addition, the invention also relates to a block chain technology, and the user transaction information can be stored in the block chain.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein. Furthermore, the terms "comprises," "comprising," or "having," and any variations thereof, are intended to cover non-exclusive inclusions, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
For convenience of understanding, a detailed flow of the embodiment of the present invention is described below, and referring to fig. 1, a first embodiment of a channel routing method in the embodiment of the present invention includes:
101. receiving a transaction request of a user, and extracting user transaction information in the transaction request;
it is to be understood that the executing subject of the present invention may be a channel routing apparatus, and may also be a terminal or a server, which is not limited herein. The embodiment of the present invention is described by taking a server as an execution subject.
It is emphasized that the above-described user-exposed video streams and user information may be stored in nodes of a blockchain in order to ensure privacy and security of the data.
In practical application, generally, when a user performs online payment through a mobile terminal, the mobile terminal may receive a transaction request input by the user and send the transaction request to a payment server, where the transaction request includes user transaction information, and the payment server receives the transaction request and extracts the user transaction information therein to store the user transaction information in a standard access interface document, where it should be noted that the interface standard access interface document may be an empty document before the user transaction information is stored in the standard access interface document.
In this embodiment, the user transaction information includes product classification, public and private attributes, a payment direction, a transaction type, bank card information, and a legal person type, wherein the product classification includes mortgage products and mortgage-free products, the public and private attributes are whether to pay funds to a public account or a private account, the payment direction is divided into payment and deduction, the transaction type is divided into normal payment, advance payment and overdue payment, the bank card information is branch information of a bank, including an address, a number, and the legal person type is which fund party to pay, and includes a small credit company, a bank, and the like.
102. Determining a first attribution channel from a preset channel configuration table according to user transaction information, and attributing a transaction request to the first attribution channel;
in this embodiment, the channel configuration table includes at least one corresponding relationship, and each corresponding relationship may include a corresponding relationship between user transaction information and a payment channel. For example, one corresponding relationship in the channel configuration table is that the product type is a mortgage-free product, the public and private attributes are a public account, the receiving and paying direction is deposit, the transaction type is repayment, the legal type is bank, the corresponding payment channel is general, the product type is mortgage product, the public and private attributes are a private account, the receiving and paying direction is deduction, the transaction type is repayment, the legal type is bank, the corresponding payment channel is safe payment, and different payment channels are configured for the transaction request according to different values of different types of transaction information. After determining the first affiliation channel for the transaction request, the transaction request is affiliated to that channel.
103. Judging whether the transaction request meets a routing factor of a first attribution channel;
in this embodiment, the routing factor may be a single-day transaction amount limit of a bank, the system may record a single-day transaction amount limit and a single-transaction amount display of each channel corresponding to each bank, after attributing the transaction request to the first attribution channel through the channel configuration table, the transaction request may be further divided according to the single-day transaction amount limit of the first attribution channel, and the transaction amount is compared with the single-day transaction amount limit by obtaining the transaction amount in the user transaction information.
In practical applications, the routing factor may further include one or more of a rate, an age, a success rate, a network delay, and a number tps of processed messages per second, and a score may be calculated according to a weight of the set routing factor, where a weight value of each routing factor may be first set, for example, a weight ratio of rate f1 is set to a, a weight ratio of age sx is set to b, a weight ratio of success rate cgl is set to c, a weight ratio of tps is set to d, and a weight ratio of network delay wly is set to e, where it is required to be noted that a sum of a, b, c, d, and e is equal to 1, after determining the weight ratio corresponding to each routing factor, a rating score of each payment channel in the at least one payment channel may be detected, in one embodiment, each factor in the routing factor may be divided into n grades, and different grades correspond to different scores, a rating of each payment channel may be divided by detecting a rating of each payment channel, so that the rating score is determined according to the rating division to which the payment channel belongs, for example, the rating score of the rate f1 is f1(n), and the rating score of the aging sx is sx (n). Further, after determining the weight ratio corresponding to each routing factor and the grade score corresponding to each routing factor of each payment channel, the formula can be used: and calculating the routing score of the at least one payment channel according to the routing score a × f1(n) + b × sx (n) + c × cgl (n) + d × tps (n) + e × wly (n).
104. If not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel;
in this embodiment, when the single-day transaction amount is used as the routing factor, whether the transaction amount of the user transaction information in the transaction request is greater than the maximum single-day transaction amount is determined, and when the transaction amount is greater than the maximum single-day transaction amount of the payment channel, it is determined that the payment channel cannot meet the transaction requirement, the transaction request needs to be attributed to the payment channel whose maximum single-day transaction amount is greater than the transaction amount of the transaction request, and the payment channel is used as the second attribution channel.
In this embodiment, when one or more of the rate, the timeliness, the success rate, the network latency, and the number tps of messages processed per second are used as the routing factor, it is determined whether the routing score of the first attribution channel is greater than a preset threshold, and if the routing score of the first attribution channel is less than the preset threshold, it is determined that the first attribution channel does not satisfy the transaction request, and the transaction request needs to be attributed to a payment channel having a routing score greater than the preset threshold.
In this embodiment, when the second attribution channel has a performance failure, the payment channel with the routing score ranked at the second position can be automatically switched to the second attribution channel, and the transaction operation is completed by the new second attribution channel. Similarly, if the payment channel ranked at the second position fails, the payment channel ranked at the third position is switched to a new second attribution channel, and so on, if the payment channel ranked at the first n-1 positions fails, the payment channel ranked at the nth position is switched to a new second attribution channel.
105. Pushing a first attribution channel or a second attribution channel to which the transaction request belongs to the user so that the user can complete transaction payment;
in this embodiment, the attribution-completed first attribution channel or second attribution channel is queried in a preset channel configuration table for a payment channel name of the first attribution channel or second attribution channel and a payment link ID of an optimal payment link with the first attribution channel or second attribution channel; and returning the inquired payment link ID of the optimal payment link to the user, and completing the payment service by the user according to the optimal payment link.
In the embodiment, a transaction request of a user is received, and user transaction information in the transaction request is extracted; determining a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels; judging whether the transaction request meets the routing factor of the first attribution channel; if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel; and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost. In addition, the invention also relates to a block chain technology, and the user transaction information can be stored in the block chain.
Referring to fig. 2, a second embodiment of the channel routing method according to the embodiment of the present invention includes:
201. receiving a transaction request of a user, and extracting user transaction information in the transaction request;
step 201 in this embodiment is similar to step 101 in the first embodiment, and is not described here again.
202. Determining a current available guest group label corresponding to the user transaction information from the guest group labels;
203. selecting a first attribution channel corresponding to all user transaction information from a channel configuration table according to the current available customer group label;
204. attributing the transaction request to a first attribution channel;
in this embodiment, the channel configuration table includes a corresponding relationship between the user transaction information and the payment channel, for example, one corresponding relationship in the channel configuration table is that a product category is a mortgage-free product, a public-private attribute is a public account, a payment receiving direction is a payment, a transaction category is a payment, a legal type is a bank, the corresponding payment channel is general, the product category is a mortgage product, the public-private attribute is a private account, the payment receiving direction is a deduction, the transaction category is a payment, the legal type is a bank, the corresponding payment channel is a safe payment, each association in the channel configuration table may further include an available group tag, and the available group tag may be used to indicate which customers may use the payment channel in the association. For example, if the available customer group tag included in the first association is above 56 years old, the access party above 56 years old may use the secure payment channel.
205. Judging whether the transaction request meets a routing factor of a first attribution channel;
206. if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel;
207. and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment.
This embodiment describes in detail a process of determining a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, on the basis of the previous embodiment, where the channel configuration table further includes an available guest group tag corresponding to the payment channel, and the current available guest group tag corresponding to the user transaction information is determined from the guest group tags; and selecting a first attribution channel corresponding to all the user transaction information from the channel configuration table according to the current available customer group label. Attributing the transaction request to the first attribution channel. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost.
Referring to fig. 3, a third embodiment of the channel routing method according to the embodiment of the present invention includes:
301. receiving a transaction request of a user, and extracting user transaction information in the transaction request;
302. determining a first attribution channel from a preset channel configuration table according to user transaction information, and attributing a transaction request to the first attribution channel;
303. judging whether the transaction request meets a routing factor of a first attribution channel;
304. if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel;
305. judging whether a first attribution channel or a second attribution channel to which the transaction request belongs is a shortcut channel;
306. if the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel, judging whether the transaction request meets a preset shortcut signing condition;
307. if not, removing the transaction request;
in this embodiment, after a transaction request belongs to a first attribution channel or a second attribution channel, it is required to determine whether the first attribution channel or the second attribution channel is a shortcut channel, and the difference between the shortcut channel and a non-shortcut channel is whether a customer signs a contract, so that the customer needs to verify the shortcut channel separately, where the shortcut channel is a shortcut payment, and includes payment instruments such as a pay bank and a WeChat, which means that a user does not need to open an internet bank in the payment process, and only needs information such as a corresponding bank card number, a name, a mobile phone number, and the like, and then only needs a password or a verification code to complete the payment in the second payment, and by determining whether the user transaction information in the transaction request signs an authorization contract, if the user transaction information in the transaction request signs an authorization contract, the preset shortcut contract signing condition is met.
308. Acquiring the removed transaction request and the transaction request with the abnormal attribution channel;
309. attributing the removed transaction requests and transaction requests with abnormal attribution channels to a preset bottom channel;
in this embodiment, a bottom channel is preset for the rejected transactions or the transactions with abnormal division, and the bottom channel may be any designated channel for ensuring that all transactions have a belonging transaction channel, so that a card list of the transaction is not caused, and the bottom channel may cause transaction failure due to non-customer reasons.
310. Taking a transaction channel corresponding to the attribution channel abnormality as a test transaction channel;
311. executing at least one test operation by using the test transaction channel, and detecting the success rate of the test transaction channel for completing the test operation according to a preset time interval;
312. if the success rate is lower than a preset threshold value, marking an unavailable mark on a transaction channel corresponding to the attribution channel abnormality;
in this embodiment, it is required to detect whether the attribution channel abnormality specifically is a channel abnormality or a system level abnormality, specifically, a test transaction channel is used to execute at least one test operation, and a success rate of the test transaction channel for completing the test operation is detected according to a preset time interval, if the success rate is lower than a preset threshold, an unavailable mark is marked on the transaction channel corresponding to the attribution channel abnormality, when a subsequent transaction request of another user is attributed, the transaction request is not referred to the transaction channel with the unavailable mark, and after a worker finds out the reason of the attribution channel abnormality and clears the abnormality, the unavailable mark is removed from the transaction channel.
313. And pushing the first attribution channel to which the transaction request belongs and the back channel of the second attribution channel to the user so as to enable the user to complete transaction payment.
On the basis of the previous embodiment, the method and the device for determining the shortcut channel of the payment channel to which the user transaction request belongs are added, and whether the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel is determined; if the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel, judging whether the transaction request meets a preset shortcut signing condition; if the transaction request does not meet the requirement, the transaction request is removed, the transaction request which is removed and is abnormal in the attribution channel is subjected to bottom-binding processing, and the transaction request which is removed and is abnormal in the attribution channel is obtained; and attributing the removed transaction requests and the transaction requests with the abnormal attribution channels into a preset bottom channel. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost.
Referring to fig. 4, a fourth embodiment of the channel routing method according to the embodiment of the present invention includes:
401. receiving a transaction request of a user, and extracting user transaction information in the transaction request;
402. determining a first attribution channel from a preset channel configuration table according to user transaction information, and attributing a transaction request to the first attribution channel;
403. judging whether the transaction request meets a routing factor of a first attribution channel;
404. if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel;
405. judging whether a first attribution channel or a second attribution channel to which the transaction request belongs is a shortcut channel;
406. if the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel, judging whether the transaction request meets a preset shortcut signing condition;
407. if not, removing the transaction request;
408. acquiring the removed transaction request and the transaction request with the abnormal attribution channel;
409. attributing the removed transaction requests and transaction requests with abnormal attribution channels to a preset bottom channel;
410. judging whether the first transaction amount in the transaction request is larger than the single maximum transaction amount of the attributive payment channel;
411. if so, splitting the first transaction amount according to the single maximum transaction amount to obtain a second transaction amount with the transaction number not less than two;
412. adding the second transaction amount to the transaction request;
in this embodiment, after several rounds of division, it can be confirmed that the transaction will not fail due to non-customer factors. At this time, the transaction needs to be split, the limit of the amount of money larger than the single transaction amount is split into X transactions according to the limit of the single transaction amount of the bank corresponding to the channel to which the transaction belongs (if the limit of the single transaction amount is 5000, a transaction of 9999 yuan is split into 5000+ 4999), and the transaction quotation is carried out according to the channel to which the transaction belongs.
413. And pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment.
On the basis of the previous embodiment, the method and the device for splitting the transaction amount of the transaction request have the advantages that the process of splitting the transaction amount of the transaction request by the fact that the transaction amount is larger than the payment channel is added, and whether the first transaction amount of the transaction request is larger than the single maximum transaction amount of the attributive payment channel is judged; if so, splitting the first transaction amount according to the single maximum transaction amount to obtain a second transaction amount with the transaction number not less than two; the second transaction amount is added to the transaction request. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced.
Referring to fig. 5, a fifth embodiment of the channel routing method according to the embodiment of the present invention includes:
501. receiving a transaction request of a user, and extracting user transaction information in the transaction request;
502. determining a first attribution channel from a preset channel configuration table according to user transaction information, and attributing a transaction request to the first attribution channel;
503. judging whether the transaction request meets a routing factor of a first attribution channel;
504. if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel;
505. judging whether the user opens an account for the first attribution channel or the second attribution channel or not according to the user transaction information;
506. if not, generating corresponding account opening prompt information, and sending the account opening prompt information to the terminal where the user is located;
507. if so, acquiring payment card information bound with the first attribution channel or the second attribution channel so that the user can pay according to the payment card information;
in practical applications, there may be a case where a user uses the current payment channel for the first time, does not make an account for the current payment channel, and cannot pay based on the account. According to the embodiment, whether a user opens an account for the current payment channel can be inquired from an account opening configuration table prestored in a background according to the customer information, and if yes, a payment card bound with the current payment channel is acquired; if not, returning information for reminding the user of opening an account for the current payment channel to the user. Wherein the information may be returned in the user's display interface along with the current payment channel. For example, the current payment channel is a safe payment, but after background search, if the user does not account for the safe payment, the user can be reminded to open an account, authenticate the real name and bind a payment card, and after the user successfully opens the account, the user can pay the order according to the payment card successfully opened.
508. Pushing a first attribution channel or a second attribution channel to which the transaction request belongs to the user so that the user can complete transaction payment;
on the basis of the previous embodiment, the method and the device for determining the attribution of the user add an account opening process when the user has not opened an account for the current attribution transaction channel, and judge whether the user has opened the account for the first attribution channel or the second attribution channel according to the user transaction information; if not, generating corresponding account opening prompt information, and sending the account opening prompt information to the terminal where the user is located; and if so, acquiring the payment card information bound with the first attribution channel or the second attribution channel so that the user can pay according to the payment card information. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost.
In the above description of the channel routing method in the embodiment of the present invention, referring to fig. 6, a channel routing device in the embodiment of the present invention is described below, where an embodiment of the channel routing device in the embodiment of the present invention includes:
a request receiving module 601, configured to receive a transaction request of a user, and extract user transaction information in the transaction request;
a first channel attribution module 602, configured to determine a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, where the channel configuration table includes all payment channels;
a determining module 603, configured to determine whether the transaction request satisfies a routing factor of the first attribution channel;
a second channel attribution module 604, configured to determine, when the transaction request does not satisfy the routing factor of the first attribution channel, a second attribution channel that enables the transaction request to satisfy the routing factor from the multiple main channels, and attributing the transaction request to the second attribution channel;
a pushing module 605, configured to push the first attribution channel or the second attribution channel to which the transaction request belongs to the user, so that the user completes transaction payment.
It is emphasized that the user transaction information may be stored in a blockchain node to ensure privacy and security of the data.
In the embodiment of the present invention, the channel routing apparatus operates the channel routing method, and the channel routing method includes: receiving a transaction request of a user, and extracting user transaction information in the transaction request; determining a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels; judging whether the transaction request meets the routing factor of the first attribution channel; if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel; and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment. Compared with the prior channel selection transaction by fixed routing, the channel selection transaction method based on intelligent routing has the advantages that the success rate of transaction is greatly improved, the transaction efficiency is improved, the customer satisfaction is greatly improved, and the operation and maintenance cost is reduced. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost. In addition, the invention also relates to a block chain technology, and the user transaction information can be stored in the block chain.
Referring to fig. 7, a second embodiment of the channel routing apparatus according to the embodiment of the present invention includes:
a request receiving module 601, configured to receive a transaction request of a user, and extract user transaction information in the transaction request;
a first channel attribution module 602, configured to determine a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, where the channel configuration table includes all payment channels;
a determining module 603, configured to determine whether the transaction request satisfies a routing factor of the first attribution channel;
a second channel attribution module 604, configured to determine, when the transaction request does not satisfy the routing factor of the first attribution channel, a second attribution channel that enables the transaction request to satisfy the routing factor from the multiple main channels, and attributing the transaction request to the second attribution channel;
a pushing module 605, configured to push the first attribution channel or the second attribution channel to which the transaction request belongs to the user, so that the user completes transaction payment.
Optionally, the channel configuration table further includes an available customer group tag corresponding to the payment channel, and the first channel attribution module 602 is specifically configured to:
determining a current available guest group label corresponding to the user transaction information from the guest group label;
and selecting a first attribution channel corresponding to all the user transaction information from the channel configuration table according to the current available customer group label.
Attributing the transaction request to the first attribution channel.
The channel routing device further comprises a shortcut channel module 606, wherein the shortcut channel module 606 is specifically configured to:
judging whether a first attribution channel or a second attribution channel to which the transaction request belongs is a shortcut channel;
if the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel, judging whether the transaction request meets a preset shortcut signing condition;
and if not, rejecting the transaction request.
Wherein, the channel routing device further comprises a bottom module 607, the bottom module 607 is specifically configured to:
acquiring the removed transaction request and the transaction request with the abnormal attribution channel;
and attributing the removed transaction requests and the transaction requests with the abnormal attribution channels into a preset bottom channel.
The channel routing apparatus further includes a testing module 608, where the testing module 608 is specifically configured to:
taking the transaction channel corresponding to the attribution channel abnormality as a test transaction channel;
executing at least one test operation by using the test transaction channel, and detecting the success rate of the test transaction channel for completing the test operation according to a preset time interval;
and if the success rate is lower than a preset threshold value, marking an unavailable mark on the transaction channel corresponding to the attribution channel abnormality.
The channel routing apparatus further includes a splitting module 609, where the splitting module 609 is specifically configured to:
judging whether the first transaction amount in the transaction request is larger than the single maximum transaction amount of the attributive payment channel;
if so, splitting the first transaction amount according to the single maximum transaction amount to obtain a second transaction amount with the transaction number not less than two;
adding the second transaction amount to the transaction request.
The channel routing apparatus further includes an account opening module 610, where the account opening module 610 is specifically configured to:
judging whether the user opens an account for the first attribution channel or the second attribution channel or not according to the user transaction information;
if not, generating corresponding account opening prompt information, and sending the account opening prompt information to the terminal where the user is located;
and if so, acquiring the payment card information bound with the first attribution channel or the second attribution channel so that the user can pay according to the payment card information.
On the basis of the previous embodiment, the specific functions of each module and the unit composition of part of the modules are described in detail, and through the device, channel selection transaction is performed through an intelligent route. The method reduces the expenditure of channel expenses while improving the transaction success rate, and helps companies reduce the transaction cost.
Fig. 6 and fig. 7 describe the channel routing apparatus in the embodiment of the present invention in detail from the perspective of the modular functional entity, and the channel routing apparatus in the embodiment of the present invention is described in detail from the perspective of hardware processing.
Fig. 8 is a schematic structural diagram of a channel routing apparatus according to an embodiment of the present invention, where the channel routing apparatus 800 may have a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 810 (e.g., one or more processors) and a memory 820, and one or more storage media 830 (e.g., one or more mass storage devices) storing an application 833 or data 832. Memory 820 and storage medium 830 may be, among other things, transient or persistent storage. The program stored in the storage medium 830 may include one or more modules (not shown), each of which may include a series of instruction operations for the channel routing apparatus 800. Further, the processor 810 may be configured to communicate with the storage medium 830, and execute a series of instruction operations in the storage medium 830 on the channel routing apparatus 800 to implement the steps of the channel routing method described above.
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
The present invention also provides a computer readable storage medium, which may be a non-volatile computer readable storage medium, and which may also be a volatile computer readable storage medium, having stored therein instructions, which, when run on a computer, cause the computer to perform the steps of the channel routing method.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses, and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A channel routing method, comprising:
receiving a transaction request of a user, and extracting user transaction information in the transaction request;
determining a first attribution channel from a preset channel configuration table according to the user transaction information, and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels;
judging whether the transaction request meets the routing factor of the first attribution channel;
if not, determining a second attribution channel which can enable the transaction request to meet the routing factor from the plurality of main channels, and attributing the transaction request to the second attribution channel;
and pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment.
2. The channel routing method of claim 1, wherein the channel configuration table further comprises an available customer group tag corresponding to the payment channel, and wherein determining a first attribution channel from a preset channel configuration table according to the user transaction information and attributing the transaction request to the first attribution channel comprises:
determining a current available guest group label corresponding to the user transaction information from the guest group label;
and selecting a first attribution channel corresponding to all the user transaction information from the channel configuration table according to the current available customer group label.
Attributing the transaction request to the first attribution channel.
3. The channel routing method of claim 2, further comprising, before pushing a first attribution channel or a second attribution channel to which the transaction request belongs to the user to complete a transaction payment for the user:
judging whether a first attribution channel or a second attribution channel to which the transaction request belongs is a shortcut channel;
if the first attribution channel or the second attribution channel to which the transaction request belongs is a shortcut channel, judging whether the transaction request meets a preset shortcut signing condition;
and if not, rejecting the transaction request.
4. The channel routing method of claim 3, further comprising, after the culling the transaction request:
acquiring the removed transaction request and the transaction request with the abnormal attribution channel;
and attributing the removed transaction requests and the transaction requests with the abnormal attribution channels into a preset bottom channel.
5. The channel routing method of claim 4, further comprising, after attributing the culled transaction requests and attributive channel-anomalous transaction requests into a preset backing channel:
taking the transaction channel corresponding to the attribution channel abnormality as a test transaction channel;
executing at least one test operation by using the test transaction channel, and detecting the success rate of the test transaction channel for completing the test operation according to a preset time interval;
and if the success rate is lower than a preset threshold value, marking an unavailable mark on the transaction channel corresponding to the attribution channel abnormality.
6. The channel routing method of claim 4, wherein after attributing the culled transaction requests and attributive channel-anomalous transaction requests into a preset backing channel, further comprising:
judging whether the first transaction amount in the transaction request is larger than the single maximum transaction amount of the attributive payment channel;
if so, splitting the first transaction amount according to the single maximum transaction amount to obtain a second transaction amount with the transaction number not less than two;
adding the second transaction amount to the transaction request.
7. The channel routing method of any one of claims 1-6, further comprising, before pushing a first or second attribution channel to which the transaction request belongs to the user to complete a transaction payment for the user:
judging whether the user opens an account for the first attribution channel or the second attribution channel or not according to the user transaction information;
if not, generating corresponding account opening prompt information, and sending the account opening prompt information to the terminal where the user is located;
and if so, acquiring the payment card information bound with the first attribution channel or the second attribution channel so that the user can pay according to the payment card information.
8. A channel routing apparatus, characterized in that the channel routing apparatus comprises:
the request receiving module is used for receiving a transaction request of a user and extracting user transaction information in the transaction request;
the first channel attribution module is used for determining a first attribution channel from a preset channel configuration table according to the user transaction information and attributing the transaction request to the first attribution channel, wherein the channel configuration table comprises all payment channels;
the judging module is used for judging whether the transaction request meets the routing factor of the first attribution channel;
the second channel attribution module is used for determining a second attribution channel which can enable the transaction request to meet the routing factor from a plurality of main channels when the transaction request does not meet the routing factor of the first attribution channel, and attributing the transaction request to the second attribution channel;
and the pushing module is used for pushing the first attribution channel or the second attribution channel to which the transaction request belongs to the user so as to enable the user to complete transaction payment.
9. A channel routing apparatus, characterized in that the channel routing apparatus comprises: a memory having instructions stored therein and at least one processor, the memory and the at least one processor interconnected by a line;
the at least one processor invoking the instructions in the memory to cause the channel routing apparatus to perform the steps of the channel routing method of any of claims 1-7.
10. A computer-readable storage medium, having stored thereon a computer program, the computer program, when being executed by a processor, implementing the steps of the channel routing method according to any one of claims 1-7.
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