A payment timeliness analysis and guarantee method and system based on two-way feedback

Abstract

The present invention relates to a payment timeliness analysis and guarantee method and system based on two-way feedback. The method uses a preset system calculation coefficient and a channel calculation coefficient, calculates a system impact factor and a channel impact factor according to a system reference time consumption and a channel reference time consumption, respectively, and combines additional special impact factors to feedback a timeliness reference value that better matches the actual situation. While considering positive timeliness, it also increases consideration and analysis of reverse timeliness, and performs feedback and payment request control based on reasonable timeliness estimation, thereby completing transaction optimization, achieving low-cost, highly reliable improvement of system processing performance and customer experience, efficiently and stably guaranteeing the accuracy of payment result processing, and ensuring the smooth progress of transactions.

Description

Technical Field

[0001] The present invention relates to the field of electronic payment security and data processing technology, and in particular to a payment timeliness analysis and security method and system based on two-way feedback. Background Art

[0002] Due to its convenience, electronic payments have become widely applicable in various payment scenarios. Normally, users receive immediate feedback on payment results after submitting a payment request. This leads users to focus on more perceptible features such as security (e.g., identity verification) and payment discounts. However, payment timeliness, a crucial factor in user experience, is often overlooked.

[0003] However, in some special circumstances, such as submitting a large number of payment requests within a short period of time, payment processing can be significantly delayed, resulting in users not receiving payment result feedback for an extended period. Especially when the waiting time far exceeds the typical feedback time, it can easily lead users to misunderstand that there is a problem with the payment system or payment operation, leading to incorrect operations such as duplicate payments, resulting in a poor user experience.

[0004] On the other hand, the ever-increasing volume of existing payment services, coupled with the integration of an increasing number of channels, has led to a decline in overall payment timeliness. Users often don't anticipate significant differences in payment feedback wait times when selecting different payment channels, which can easily lead them to misunderstand that their payments have been unsuccessful. Summary of the Invention

[0005] To address the shortcomings of the existing technology, the present invention proposes a payment timeliness analysis and assurance method and system based on two-way feedback. While considering the positive timeliness, it also adds consideration and analysis of the reverse timeliness, and performs feedback and payment request control based on reasonable timeliness estimates to complete the optimization of transactions, achieve low-cost, highly reliable improvement of the system's processing performance and customer experience, and efficiently and stably ensure the accuracy of payment result processing, ensuring the smooth progress of transactions.

[0006] To achieve the above objectives, the technical solutions adopted by the present invention include:

[0007] A payment timeliness analysis and assurance method based on two-way feedback, characterized by comprising:

[0008] S1. Calculate historical system time consumption and obtain the system reference time consumption in units of days;

[0009] S2. Count the historical channel time consumption and calculate the channel reference time consumption in units of days;

[0010] S3. Using the preset system calculation coefficient and channel calculation coefficient, calculate the system impact factor and channel impact factor according to the system reference time and the channel reference time respectively;

[0011] S4. Obtain a payment order request, and retrieve the system estimated time and channel estimated time according to the payment order request;

[0012] S5. Correct the system estimated time and the channel estimated time using the system impact factor and the channel impact factor respectively, and add the corrected system estimated time and the corrected channel estimated time to obtain a first feedback time efficiency;

[0013] S6. Determine whether there is a special influencing factor corresponding to the first feedback timeliness. If it is determined that there is no special influencing factor, directly record the first feedback timeliness as the second feedback timeliness.

[0014] S7. When it is determined that a special influencing factor exists, the first feedback time limit is modified according to the special influencing factor to obtain a second feedback time limit;

[0015] S8. Send the second feedback timeliness to the user terminal for display.

[0016] Furthermore, the method further comprises:

[0017] S9. Determine and feedback the payment failure based on the comparison results of the system impact factor, the channel impact factor, and the second feedback time limit with the corresponding preset thresholds.

[0018] Furthermore, the system calculation coefficient is the inverse of the median of the normal distribution of historical system time consumption;

[0019] The channel calculation coefficient is the reciprocal of the median of the normal distribution of historical channel time consumption.

[0020] Furthermore, the special impact factors include special timeliness factors and special precision factors;

[0021] The special aging factor is used to directly modify the first feedback aging;

[0022] The special precision factor is used to correct the system impact factor or the channel impact factor.

[0023] Furthermore, the step S4 includes:

[0024] Based on the payment order request, the estimated system time and channel time are retrieved according to the system's positive feedback prediction.

[0025] Alternatively, a weighted sum of the system reference duration and the average system duration in a recent short period is used as the system estimated duration, and a weighted sum of the channel reference duration and the average channel duration in a recent short period is used as the channel estimated duration.

[0026] Furthermore, the step S4 includes:

[0027] The estimated system duration is the weighted sum of the system reference duration and the average system duration within the past 5 minutes, with the weighted ratio being 40% for the system reference duration and 60% for the average system duration within the past 5 minutes.

[0028] The estimated channel duration is calculated by taking the weighted sum of the reference channel duration and the average channel duration within the past five minutes. The weighted ratio is 40% for the reference channel duration and 60% for the average channel duration within the past five minutes.

[0029] The present invention also relates to a payment timeliness analysis and guarantee system based on two-way feedback, which is characterized by comprising:

[0030] Reference statistics module, used to calculate the system reference time and channel reference time;

[0031] The factor control module is used to use the preset system calculation coefficient and channel calculation coefficient to calculate the system impact factor and channel impact factor according to the system reference time and channel reference time respectively, and configure and manage special impact factors;

[0032] An order pre-processing module is used to obtain a payment order request and retrieve the system estimated time and channel estimated time according to the payment order request;

[0033] The time efficiency calculation module is used to calculate and feed back the second feedback time efficiency.

[0034] The present invention also relates to a computer-readable storage medium, characterized in that a computer program is stored on the storage medium, and the computer program implements the above method when executed by a processor.

[0035] The present invention also relates to an electronic device, characterized in that it comprises a processor and a memory;

[0036] The memory is used to store the storage system impact factor, the channel impact factor and the special impact factor;

[0037] The processor is configured to execute the above method by calling the storage system impact factor, the channel impact factor and the special impact factor.

[0038] The present invention also relates to a computer program product, comprising a computer program and / or instructions, characterized in that the computer program and / or instructions implement the steps of the above method when executed by a processor.

[0039] The beneficial effects of the present invention are:

[0040] By adopting the payment timeliness analysis and assurance method and system based on two-way feedback described in the present invention, while considering positive timeliness, the consideration and analysis of reverse timeliness are increased, and feedback and payment request control are performed based on reasonable timeliness estimates, thereby completing the optimization of transactions, achieving low-cost, highly reliable improvement of the system's processing performance and customer experience, and efficiently and stably ensuring the accuracy of payment result processing, thereby ensuring the smooth progress of transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Figure 1 The figure is a flow chart of the payment timeliness analysis and guarantee method based on two-way feedback of the present invention.

[0042] Figure 2 This is a schematic diagram of the structure of the payment timeliness analysis and guarantee system based on two-way feedback of the present invention. DETAILED DESCRIPTION

[0043] In order to more clearly understand the content of the present invention, it will be described in detail with reference to the accompanying drawings and embodiments.

[0044] The timeliness analysis process involves both forward and reverse timeliness. Forward timeliness calculates the estimated time required for each system call to initiate an upcoming order payment and returns the result to the business side, who then uses it to display transaction wait times on the page, effectively managing user expectations and improving user experience. Reverse timeliness calculates the timeliness used by the system upon completion of a user order payment and feeds it back to the payment routing system, facilitating data analysis and factoring timeliness into routing factors.

[0045] When the channel's fulfillment capacity is insufficient, for example, when the channel is closed, the channel transaction volume is particularly large during Double Eleven, or when the channel suddenly increases transactions during processing, it is necessary to ensure the timeliness of transactions by adjusting the timeliness guarantee method and settings.

[0046] Under existing technology, system tracing and tracking alone found that the data sent from the front end to the payment system may pass through as many as 6 systems, and the call chain is particularly long. It is currently found that when the longest time is taken, the call to the payment system may be delayed by more than 5 seconds. However, for the payment system, the time consumption of a single statistical channel will result in large errors, and it is especially difficult to adapt to special time guarantee requirements.

[0047] The first aspect of the present invention relates to a process of steps as follows Figure 1 The payment timeliness analysis and guarantee method based on two-way feedback shown in the figure includes:

[0048] S1. Count the historical system time consumption and calculate the system reference time consumption in days.

[0049] S2. Count the historical channel time consumption and calculate the channel reference time consumption in days.

[0050] The reference value using historical data statistics can be calculated according to any applicable statistical method and can be revised in advance according to actual usage requirements.

[0051] S3. Using the preset system calculation coefficient and channel calculation coefficient, calculate the system impact factor and channel impact factor based on the system reference time and the channel reference time, respectively. Preferably, the system calculation coefficient is the reciprocal of the median of the normal distribution of historical system time, and the channel calculation coefficient is the reciprocal of the median of the normal distribution of historical channel time.

[0052] In a special case, when the reference time also chooses to use the median of the normal distribution of historical data, an impact factor of 1 will actually be obtained, that is, the estimated time value will not be numerically corrected and will be directly adopted.

[0053] S4. Obtain a payment order request, and retrieve the system estimated time and channel estimated time based on the payment order request. In actual implementation, the system estimated time and channel estimated time can be retrieved based on the payment order request and the system's positive feedback prediction. Alternatively, the system estimated time can be obtained by preferably using the weighted sum of the system reference time and the average system time in the recent short term, and the channel estimated time can be obtained by preferably using the weighted sum of the channel reference time and the average channel time in the recent short term. When selecting the weighted sum of the reference value and the average channel time in the recent short term, it is further preferred to use 5 minutes as the short-term period, and to set the ratio of the reference value to the average channel time in the recent short term to 4:6.

[0054] For example, the system time consumption can be calculated as follows: channel time consumption in the past five minutes * 0.6 + historical time consumption * 0.4. At the same time, the channel estimated time consumption predicted by the system's positive feedback can be combined.

[0055] S5. Use the system impact factor and the channel impact factor to correct the system estimated time and the channel estimated time, respectively, and add the corrected system estimated time and channel estimated time to obtain a first feedback time efficiency.

[0056] That is, the first feedback time = system time consumption * system impact factor + channel time consumption * channel impact factor.

[0057] S6. Determine whether there is a special influencing factor corresponding to the first feedback timeliness. When it is determined that there is no special influencing factor, directly record the first feedback timeliness as the second feedback timeliness.

[0058] Specifically, the special impact factor includes a special timeliness factor and a special precision factor, wherein the special timeliness factor is used to directly correct the first feedback timeliness, and the special precision factor is used to correct the system impact factor or the channel impact factor.

[0059] S7. When it is determined that a special influencing factor exists, the first feedback time limit is modified according to the special influencing factor to obtain a second feedback time limit.

[0060] For example, the calculation of forward aging = (system time consumption * system impact factor + (channel aging in the past five minutes * 0.6 + historical aging * 0.4) * channel impact factor) * special time factor * special aging factor; reverse aging = (channel aging in the past five minutes * 0.6 + historical aging * 0.4) * channel impact factor.

[0061] Introducing special dates can expand the system impact factor by a certain multiple. For example, a flash sale event is similar to a special date, but it only lasts for a short period of time. Therefore, it can be set separately and the calculation of the special impact factor can be introduced within a specific period of time.

[0062] For more precise aging granularity, for example, the forward aging is changed from a daily statistical dimension to a 5-minute dimension, consisting of the channel aging of the first five minutes of the current time period + the aging of the current time period in the past seven days (special dates or special times are excluded).

[0063] S8. Send the second feedback time limit to the user terminal for display, so that the user can obtain a clear time limit indication and avoid misoperation.

[0064] S9. Determine and feedback the payment failure based on the comparison results of the system impact factor, the channel impact factor, and the second feedback time limit with the corresponding preset thresholds.

[0065] The calculated impact factors and feedback timeliness can be used as the basis for adjusting manual timeliness guarantee, and can also be used as the operating conditions for automatic timeliness guarantee.

[0066] Manual timeliness protection can include: (1) When a channel problem occurs or the channel notifies maintenance, the channel impact factor is manually adjusted by humans, set to a larger value, and directly fed back to the routing and front-end so that they can make corresponding processing; (2) Special dates are set. Considering days with large transaction volumes such as Double Eleven, corresponding special dates are set. When a transaction comes in, a judgment will be made. If it is, it will be multiplied by the response factor (the default can be 1); (3) The special timeliness factor is the same as the special date, and a special time period is set (the default can be 1).

[0067] Compared with the situation of channel maintenance in manual guarantee, the demand is informed by the channel. However, manual operation has timeliness and operation addition restrictions, which often lead to the inability to provide timely feedback. Therefore, automatic timeliness guarantee can be introduced to perform special processing on the channel, including: (1) Analysis of transactions in process: Start a timed task, and the system obtains the number of transactions in process and the number of successful transactions from the backup database every five minutes, defines a total number of transactions as the sum of the two current parameters, and then sets the corresponding channel impact factor number according to the gradient. For example, when the factor number is less than 20%, it is healthy. Healthy, set the impact factor to 1; when it is between 20% and 30%, it is sub-healthy, set the impact factor to 2, and so on. When the number of transactions being processed is greater than 80%, it can be considered as a channel fault, and a maximum value can be set directly; (2) Statistics on the number of failed transactions: mainly used to analyze whether the channel is healthy. First, eliminate transactions with obvious customer failure reasons (eliminate according to error codes, such as insufficient balance, wrong mobile phone number reserved for bank card, incorrect password, etc.), and analyze the total number of channel transactions and the number of failed transactions. For example, when the number of channel failures is greater than 70%, if it is greater, it will be treated as a fault report.

[0068] Another aspect of the present invention relates to a payment timeliness analysis and guarantee system based on two-way feedback, the structure of which is as follows: Figure 2 Shown, including:

[0069] Reference statistics module, used to calculate the system reference time and channel reference time;

[0070] The factor control module is used to use the preset system calculation coefficient and channel calculation coefficient to calculate the system impact factor and channel impact factor according to the system reference time and channel reference time respectively, and configure and manage special impact factors;

[0071] An order pre-processing module is used to obtain a payment order request and retrieve the system estimated time and channel estimated time according to the payment order request;

[0072] The time efficiency calculation module is used to calculate and feed back the second feedback time efficiency.

[0073] By using this system, the above-mentioned calculation and processing method can be executed and the corresponding technical effects can be achieved.

[0074] An embodiment of the present invention also provides a computer-readable storage medium capable of implementing all steps of the method in the above embodiment. The computer-readable storage medium stores a computer program that implements all steps of the method in the above embodiment when executed by a processor.

[0075] An embodiment of the present invention also provides an electronic device for executing the above-mentioned method. As an implementation device of the method, the electronic device has at least a processor and a memory, and in particular, the memory stores the data and related computer programs required for executing the method, such as storage system impact factors, channel impact factors, and special impact factors, etc., and all steps of the implementation method are executed by the processor calling the data and programs in the memory to obtain the corresponding technical effects.

[0076] Preferably, the electronic device may include a bus architecture, which may include any number of interconnected buses and bridges, and the bus will include various circuits linked together by one or more processors and memories. The bus may also link together various other circuits such as peripheral devices, voltage regulators, and power management circuits, which are all well known in the art and, therefore, will not be described further herein. The bus interface provides an interface between the bus and the receiver and transmitter. The receiver and transmitter can be the same component, namely a transceiver, which provides a unit for communicating with various other systems over a transmission medium. The processor is responsible for managing the bus and general processing, while the memory can be used to store data used by the processor when performing operations.

[0077] Additionally, the electronic device may further include components such as a communication module, an input unit, an audio processor, a display, and a power supply. The processor (or controller, operating control) employed may include a microprocessor or other processor device and / or logic device, which receives input and controls the operation of various components of the electronic device. The memory may be one or more of a cache, flash memory, a hard drive, removable media, volatile memory, non-volatile memory, or other suitable devices, and may store the aforementioned data and information. It may also store programs for executing the relevant information, and the processor may execute the programs stored in the memory to implement information storage or processing. The input unit is used to provide input to the processor, and may, for example, be a keypad or touch input device. The power supply is used to provide power to the electronic device. The display is used to display objects such as images and text, and may, for example, be an LCD display. The communication module is a transmitter / receiver that sends and receives signals via an antenna. The communication module (transmitter / receiver) is coupled to the processor to provide input signals and receive output signals, similar to the case of a conventional mobile communication terminal. Based on different communication technologies, multiple communication modules can be provided in the same electronic device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module. The communication module (transmitter / receiver) is also coupled to a speaker and a microphone via an audio processor to provide audio output via the speaker and receive audio input from the microphone, thereby implementing common telecommunications functions. The audio processor may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor is also coupled to a central processing unit, enabling local recording via the microphone and playback of stored audio via the speaker.

[0078] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0079] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A system that specifies the functions of a box or boxes.

[0080] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system that is implemented in the process. Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0081] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 The present invention is described in detail below. ...

[0082] The above description is merely a preferred embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in the present invention are intended to be covered by the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be based on the scope of protection of the claims.

Claims

1. A payment timeliness analysis and guarantee method based on two-way feedback, characterized in that: include: S1. Calculate historical system time consumption and obtain the system reference time consumption in units of days; S2. Count the historical channel time consumption and calculate the channel reference time consumption in units of days; S3. Using the preset system calculation coefficient and channel calculation coefficient, calculate the system impact factor and channel impact factor according to the system reference time and the channel reference time respectively; S4. Obtain a payment order request, and retrieve the system estimated time and channel estimated time according to the payment order request; S5. Correct the system estimated time and the channel estimated time using the system impact factor and the channel impact factor respectively, and add the corrected system estimated time and the corrected channel estimated time to obtain a first feedback time efficiency; S6. Determine whether there is a special influencing factor corresponding to the first feedback timeliness. If it is determined that there is no special influencing factor, directly record the first feedback timeliness as the second feedback timeliness. S7. When it is determined that a special influencing factor exists, the first feedback time limit is modified according to the special influencing factor to obtain a second feedback time limit; S8. Send the second feedback timeliness to the user terminal for display; The step S4 comprises: The weighted sum of the system reference time and the average system time in the recent short period is used as the system estimated time, and the weighted sum of the channel reference time and the average channel time in the recent short period is used as the channel estimated time. The step S4 further includes: The estimated system duration is the weighted sum of the system reference duration and the average system duration within the past 5 minutes, with the weighted ratio being 40% for the system reference duration and 60% for the average system duration within the past 5 minutes. The estimated channel duration is the weighted sum of the reference channel duration and the average channel duration within the past five minutes, with the weighted ratio being 40% for the reference channel duration and 60% for the average channel duration within the past five minutes. The method further comprises: S9. Determine and feedback the payment failure based on the comparison results of the system impact factor, the channel impact factor, and the second feedback time limit with the corresponding preset thresholds.

2. The method according to claim 1, wherein The system calculation coefficient is the reciprocal of the median of the normal distribution of historical system time consumption; The channel calculation coefficient is the reciprocal of the median of the normal distribution of historical channel time consumption.

3. The method according to claim 1, wherein The special impact factors include special timeliness factors and special precision factors; The special aging factor is used to directly modify the first feedback aging; The special precision factor is used to correct the system impact factor or the channel impact factor.

4. A payment timeliness analysis and guarantee system based on two-way feedback, characterized in that: The method for executing any one of claims 1 to 3 above comprises: Reference statistics module, used to calculate the system reference time and channel reference time; The factor control module is used to use the preset system calculation coefficient and channel calculation coefficient to calculate the system impact factor and channel impact factor according to the system reference time and channel reference time respectively, and configure and manage special impact factors; An order pre-processing module is used to obtain a payment order request and retrieve the system estimated time and channel estimated time according to the payment order request; The time efficiency calculation module is used to calculate and feed back the second feedback time efficiency.

5. A computer-readable storage medium, characterized in that The storage medium stores a computer program, which implements the method according to any one of claims 1 to 3 when executed by a processor.

6. An electronic device, characterized in that: including processor and memory; The memory is used to store system impact factors, channel impact factors and special impact factors; The processor is configured to execute the method according to any one of claims 1 to 3 by calling a storage system impact factor, a channel impact factor, and a special impact factor.

7. A computer program product comprising a computer program and / or instructions, characterized in that When the computer program and / or instructions are executed by a processor, the steps of the method according to any one of claims 1 to 3 are implemented.

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