Unlock instant, AI-driven research and patent intelligence for your innovation.

Payment channel recommendation method and device

A recommendation method and channel technology, applied in the computer field, can solve the problems that the maximum second-level payment request volume cannot be matched, and cannot be successfully paid, etc., to achieve a good payment experience effect

Pending Publication Date: 2019-09-17
ADVANCED NEW TECH CO LTD
View PDF9 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Daily user payment has its own channel preference, which cannot match the maximum second-level payment request volume that the corresponding channel can support. If the preferred payment tool is determined according to the user's daily preference, the result will be failure. to pay

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Payment channel recommendation method and device
  • Payment channel recommendation method and device
  • Payment channel recommendation method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0043] The solutions provided in this specification will be described below in conjunction with the accompanying drawings.

[0044] figure 1 It is a schematic diagram of an implementation scenario of an embodiment disclosed in this specification. This implementation scenario involves the recommendation of payment channels, that is to say, involves static payment channel matching. In this implementation scenario, it includes two stages: in the first stage, according to the user's payment behavior characteristics, a gradient iterative decision tree (gradient boosting decision tree, GBDT) prediction model is used to perform offline preference learning to obtain the user's payment channel preference; In the second stage, according to the static matching configuration file and based on the random matching algorithm of MapReduce, the user's payment channel preference is allocated.

[0045] It can be understood that the payment channel is a channel for funds, which may include, but...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The embodiment of the invention provides a payment channel recommendation method and device. The method comprises the following steps: firstly obtaining an original preference sequence of each user for each payment channel; obtaining an expected ratio of each payment channel used by each user; then, according to the expected proportion of each payment channel, allocating original preference sequences of the users on the payment channels; obtaining the preferred payment channel of each user preference after the payment is successful, and finally, determining the payment channel recommended to each user according to the preferred payment channel of each user preference after the deployment, thereby following the user payment preference as much as possible under the premise of ensuring the successful payment, and providing a good payment experience for the user.

Description

technical field [0001] One or more embodiments of this specification relate to the field of computers, and in particular to a method and device for recommending payment channels. Background technique [0002] Currently there are many payment channels, such as bank cards, balances, Yu’e Bao, Huabei, card coupons, points, red envelopes, prepaid cards and any other channels that can be used as funds. Usually, an e-commerce platform has a default first payment tool, also called a preferred payment tool. The preferred payment instrument can be thought of as the payment channel recommended to the user. [0003] During the peak period of the big promotion, the payment requests per second reached hundreds of thousands, but none of the actual payment channels can support such a scale alone, for example: the total number of second-level payment requests is 300,000, the maximum bank card is 50,000, Huabei 20, balance 15, Yu’e Bao 15w. Daily user payment has its own channel preferenc...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/22
CPCG06Q20/22
Inventor 周扬吴彦伦杨树波于君泽
Owner ADVANCED NEW TECH CO LTD