Payment channel selection method, system, device, medium and program product

Abstract

The invention provides a payment channel selection method, system and device, a medium and a program product. The selection method comprises the following steps: receiving a payment request; determining a plurality of alternative payment channels based on the payment request; detecting each alternative payment channel based on a plurality of preset indexes to obtain an index value of each alternative payment channel on each preset index; and selecting a target payment channel from the alternative payment channels based on the index value. According to the invention, the alternative payment channels are detected according to the plurality of preset indexes to obtain the index values, and then the target payment channel is selected from the alternative payment channels according to the index values, so that the selection of the payment channels is rapidly and accurately realized, the quality of the target payment channel is improved, the payment stability is ensured, and the use experience is improved.

Description

Technical Field

[0001] The present disclosure relates to the technical field of network payment, and in particular to a payment channel selection method, system, device, medium and program product. Background Art

[0002] With the popularity of smart phones and the development of mobile Internet, the development of payment methods has shown a trend of diversification, and among the payment methods, online payment has become a commonly used means of payment. Due to the diversity of the company's business, the company's payment system will be connected to multiple payment channels. When processing payment transactions, the selection of payment channels is random, and a payment channel with poor communication quality may be selected, which will affect the payment service experience and even cause payment failure, and the stability of payment cannot be guaranteed. Summary of the invention

[0003] The technical problem to be solved by the present disclosure is to overcome the defects of the prior art such as random selection of payment channels, resulting in poor payment stability, and to provide a payment channel selection method, system, device, medium and program product.

[0004] The present invention solves the above technical problems through the following technical solutions:

[0005] The present disclosure provides a method for selecting a payment channel, the method comprising:

[0006] Receive payment requests;

[0007] Based on the payment request, determining a number of alternative payment channels;

[0008] Based on a number of preset indicators, each of the candidate payment channels is tested respectively to obtain an indicator value of each of the candidate payment channels on each of the preset indicators;

[0009] Based on the indicator value, a target payment channel is selected from the candidate payment channels.

[0010] Preferably, the step of determining a number of alternative payment channels based on the payment request comprises:

[0011] Obtaining a payment method corresponding to the payment request;

[0012] In response to the payment method being a preset method, obtaining a plurality of initial payment channels corresponding to the preset method;

[0013] Based on the business information corresponding to the payment request, the alternative payment channel is selected from the plurality of initial payment channels.

[0014] Preferably, the business information includes first business information and second business information, the first business information includes at least one of time, card issuing bank, amount, product, and number of transactions, and the second business information includes at least one of time, card issuing bank, payment channel status, transaction type, and transaction limit;

[0015] The step of selecting the alternative payment channel from the plurality of initial payment channels based on the business information corresponding to the payment request comprises:

[0016] In response to the first business information matching a first business standard corresponding to at least one of the initial payment channels, taking the initial payment channel whose first business standard matches the first business information as the alternative payment channel;

[0017] In response to the first business information not matching the first business standard corresponding to all the initial payment channels and the second business information matching the second business standard corresponding to at least one of the initial payment channels, taking the initial payment channel whose second business standard matches the second business information as the alternative payment channel;

[0018] In response to the first business information not matching the first business standards corresponding to all the initial payment channels and the second business information not matching the second business standards corresponding to all the initial payment channels, the alternative payment channel is determined based on the channel priority order of the initial payment channels.

[0019] Preferably, the step of obtaining a plurality of initial payment channels corresponding to the preset method includes:

[0020] Based on the plurality of preset indicators, each payment channel corresponding to the preset method is scored respectively to obtain a first target score corresponding to each payment channel;

[0021] Based on the first target score, the initial payment channel is determined.

[0022] Preferably, the step of selecting a target payment channel from the candidate payment channels based on the indicator value comprises:

[0023] Based on the indicator priority order of the plurality of preset indicators, selecting the candidate payment channel whose indicator value meets the preset conditions as the target payment channel;

[0024] or,

[0025] The step of selecting a target payment channel from the candidate payment channels based on the indicator value comprises:

[0026] Obtaining the indicator score corresponding to each of the indicator values ​​and the indicator weight corresponding to each of the preset indicators;

[0027] Based on the indicator score and the indicator weight of each of the candidate payment channels on each of the preset indicators, obtaining a second target score corresponding to each of the candidate payment channels;

[0028] The target payment channel is selected from the candidate payment channels based on the second target score.

[0029] Preferably, the preset indicator includes at least one of payment channel response time, payment channel success rate, and payment channel cost.

[0030] The present disclosure also provides a payment channel selection system, the selection system comprising:

[0031] A request receiving module, used for receiving a payment request;

[0032] An alternative channel determination module, used to determine a number of alternative payment channels based on the payment request;

[0033] An indicator scoring acquisition module is used to detect each of the candidate payment channels based on a number of preset indicators to obtain an indicator value of each of the candidate payment channels on each of the preset indicators;

[0034] A target channel selection module is used to select a target payment channel from the candidate payment channels based on the indicator value.

[0035] Preferably, the candidate channel determination module includes:

[0036] A payment method acquisition unit, used to acquire the payment method corresponding to the payment request;

[0037] an initial channel acquisition unit, configured to acquire a plurality of initial payment channels corresponding to the preset method in response to the payment method being the preset method;

[0038] The alternative channel selection unit is used to select the alternative payment channel from the plurality of initial payment channels based on the business information corresponding to the payment request.

[0039] Preferably, the business information includes first business information and second business information, the first business information includes at least one of time, card issuing bank, amount, product, and number of transactions, and the second business information includes at least one of time, card issuing bank, payment channel status, transaction type, and transaction limit;

[0040] The alternative channel selection unit comprises:

[0041] a first response subunit, configured to, in response to the first business information matching a first business standard corresponding to at least one of the initial payment channels, use the initial payment channel whose first business standard matches the first business information as the alternative payment channel;

[0042] a second response subunit, configured to, in response to the first business information not matching the first business standard corresponding to all the initial payment channels and the second business information matching the second business standard corresponding to at least one of the initial payment channels, use the initial payment channel whose second business standard matches the second business information as the alternative payment channel;

[0043] A third response subunit is used to determine the alternative payment channel based on the channel priority order of the initial payment channels in response to the fact that the first business information does not match the first business standards corresponding to all the initial payment channels and the second business information does not match the second business standards corresponding to all the initial payment channels.

[0044] Preferably, the initial channel acquisition unit includes:

[0045] A score acquisition subunit, used to score each payment channel corresponding to the preset method based on the plurality of preset indicators, and obtain a first target score corresponding to each payment channel;

[0046] The initial channel acquisition subunit is used to determine the initial payment channel based on the first target score.

[0047] Preferably, the target channel selection module includes:

[0048] A first target channel selection unit, configured to select, based on the indicator priority order of the plurality of preset indicators, the candidate payment channel whose indicator value meets the preset conditions as the target payment channel;

[0049] or,

[0050] The target channel selection module comprises:

[0051] An indicator score acquisition unit, used to acquire the indicator score corresponding to each indicator value;

[0052] An indicator weight acquisition unit, used to acquire the indicator weight corresponding to each of the preset indicators;

[0053] a target score obtaining unit, configured to obtain a second target score corresponding to each of the candidate payment channels based on the indicator score and the indicator weight of each of the candidate payment channels on each of the preset indicators;

[0054] A second target channel selection unit is used to select the target payment channel from the candidate payment channels based on the second target score.

[0055] Preferably, the preset indicator includes at least one of payment channel response time, payment channel success rate, and payment channel cost.

[0056] The present disclosure also provides an electronic device, including a memory, a processor, and a computer program stored in the memory and used to run on the processor, and the processor implements the above-mentioned payment channel selection method when executing the computer program.

[0057] The present disclosure also provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the method for selecting a payment channel described above is implemented.

[0058] The present disclosure also provides a computer program product, including a computer program, which implements the payment channel selection method as described above when executed by a processor.

[0059] On the basis of being in accordance with the common sense in the art, the above-mentioned preferred conditions can be arbitrarily combined to obtain the preferred embodiments of the present disclosure.

[0060] The positive and progressive effects of this disclosure are:

[0061] The present invention detects alternative payment channels according to several preset indicators to obtain indicator values, and then selects a target payment channel from the alternative payment channels according to the indicator values, thereby quickly and accurately realizing the selection of payment channels, improving the quality of the target payment channel, ensuring the stability of payment, and improving the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0062] Figure 1 This is a flow chart of a method for selecting a payment channel according to Embodiment 1 of the present disclosure;

[0063] Figure 2 This is a first flow chart of the method for selecting a payment channel according to Embodiment 2 of the present disclosure;

[0064] Figure 3 This is a flowchart of step S123 in the payment channel selection method of embodiment 2 of the present disclosure;

[0065] Figure 4 This is a flowchart of step S122 in the method for selecting a payment channel in Embodiment 2 of the present disclosure;

[0066] Figure 5 This is a first flow chart of the method for selecting a payment channel according to Embodiment 2 of the present disclosure;

[0067] Figure 6This is a module diagram of a payment channel selection system according to Embodiment 3 of the present disclosure;

[0068] Figure 7 This is a module diagram of a payment channel selection system according to Embodiment 4 of the present disclosure;

[0069] Figure 8 This is a schematic diagram of the structure of an electronic device according to Embodiment 5 of the present disclosure. DETAILED DESCRIPTION

[0070] The present disclosure is further described below by way of examples, but the present disclosure is not limited to the scope of the examples.

[0071] Prefixes such as "first" and "second" are used in the embodiments of the present disclosure only to distinguish different description objects, and have no limiting effect on the position, order, priority, quantity or content of the described objects. The use of prefixes such as ordinal numbers to distinguish description objects in the embodiments of the present disclosure does not constitute a limitation on the described objects. For the statement of the described objects, please refer to the description in the context of the claims or embodiments, and no unnecessary limitation should be constituted due to the use of such prefixes. In addition, in the description of the present embodiment, unless otherwise specified, the meaning of "plurality" is two or more.

[0072] In the embodiments of the present disclosure, the collection, storage, use, processing, transmission, provision and disclosure of user personal information involved are in compliance with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0073] Example 1

[0074] This embodiment provides a payment channel selection method, such as Figure 1 As shown, the selection method includes:

[0075] S11, receiving a payment request;

[0076] S12. Determine several alternative payment channels based on the payment request;

[0077] S13, testing each candidate payment channel based on a number of preset indicators, and obtaining an indicator value of each candidate payment channel on each preset indicator;

[0078] S14. Select a target payment channel from the candidate payment channels based on the indicator value.

[0079] Specifically, the payment request includes a payment request for a payment transaction. After a target payment channel is selected, the payment request is processed according to the target payment channel to complete the payment transaction.

[0080] In this embodiment, the alternative payment channels are detected according to several preset indicators to obtain indicator values, and then the target payment channel is selected from the alternative payment channels according to the indicator values, thereby quickly and accurately selecting the payment channel, improving the quality of the target payment channel, ensuring the stability of payment, and improving the user experience.

[0081] Example 2

[0082] This embodiment provides a payment channel selection method, which is a further improvement on Embodiment 1.

[0083] In one feasible solution, Figure 2 As shown, step S12 includes:

[0084] S121. Obtain the payment method corresponding to the payment request;

[0085] S122. In response to the payment method being a preset method, obtaining a plurality of initial payment channels corresponding to the preset method;

[0086] S123. Select an alternative payment channel from several initial payment channels based on the business information corresponding to the payment request.

[0087] Specifically, the payment methods include bank card payment, WeChat payment, Alipay payment, etc., and the preset method is bank card payment. In response to the payment method being WeChat payment or Alipay payment, the corresponding payment method is directly selected to perform a processing operation of the payment transaction.

[0088] In this solution, when the payment method is a preset method, an alternative payment channel is selected from several initial payment channels corresponding to the preset method according to the business information corresponding to the payment request, thereby ensuring the accuracy and reliability of the alternative payment channel.

[0089] In an implementable solution, the business information includes first business information and second business information, the first business information includes at least one of time, card issuing bank, amount, product, and number of transactions, and the second business information includes at least one of time, card issuing bank, payment channel status, transaction type, and transaction limit;

[0090] like Figure 3 As shown, step S123 includes:

[0091] S1231. In response to the first business information matching the first business standard corresponding to at least one initial payment channel, taking the initial payment channel whose first business standard matches the first business information as an alternative payment channel;

[0092] S1232: In response to the first business information not matching the first business standard corresponding to all initial payment channels and the second business information matching the second business standard corresponding to at least one initial payment channel, taking the initial payment channel whose second business standard matches the second business information as an alternative payment channel;

[0093] S1233. In response to the first business information not matching the first business standards corresponding to all initial payment channels and the second business information not matching the second business standards corresponding to all initial payment channels, determine an alternative payment channel based on the channel priority order of the initial payment channels.

[0094] Specifically, when the payment method is a preset method, if there is first business information, an alternative payment channel is selected from the initial payment channel according to the first business information, and the initial payment channel whose first business standard matches the first business information is used as the alternative payment channel; if there is no first business information or the initial payment channel whose first business standard matches the first business information is not screened out according to the first business information, an alternative payment channel is selected from the initial payment channel according to the second business information, and the initial payment channel whose second business standard matches the second business information is used as the alternative payment channel; if there is no second business information or the initial payment channel whose second business standard matches the second business information is not screened out according to the second business information, the alternative payment channel is determined according to the channel priority order of the initial payment channel, for example, the initial payment channel with the highest priority is used as the alternative payment channel.

[0095] In this solution, the alternative payment channel is determined in sequence according to the first business information, the second business information, and the channel priority order, thereby ensuring the accuracy and reliability of the alternative payment channel.

[0096] In one feasible solution, Figure 4 As shown, step S122 includes:

[0097] S1221. Scoring each payment channel corresponding to the preset method based on a number of preset indicators to obtain a first target score corresponding to each payment channel;

[0098] S1222. Determine an initial payment channel based on the first target score.

[0099] Specifically, the preset indicators include at least one of payment channel response time, payment channel success rate, and payment channel switch status.

[0100] The switch status of the payment channel includes the open state and the closed state of the payment channel. If the channel is blown, the payment channel is in the closed state.

[0101] If the payment channel fails M times continuously, for example, M is 8, the channel circuit breaker is triggered and the first target score is 0;

[0102] If the payment channel fails abnormally within a certain number of transactions and reaches the threshold, for example, 6 abnormal transactions within 50 transactions, the channel will be triggered to fuse, and the first target score will be 0;

[0103] If the account balance of the payment channel reaches the circuit breaker balance, the channel circuit breaker is triggered and the first target score is 0.

[0104] Triggering the channel circuit breaker requires manual intervention to check and repair the payment channel. After the subsequent first target score returns to the normal score range, it enters the screening queue of the initial payment channel to determine the initial payment channel based on the first target score.

[0105] If the total time taken for N transactions is S, then the payment channel response time is S / N;

[0106] If the number of normal transactions in N transactions is C, the payment channel success rate is C / N. N is 100, for example.

[0107] Compare the payment channel response time of each payment channel with the standard response time to obtain a ratio, and use the product of the ratio and the standard score as the first score corresponding to the preset indicator of payment channel response time. Similarly, obtain the second score corresponding to the preset indicator of payment channel success rate. Add the first score to the second score to obtain the first target score. Select the payment channel whose first target score is within the preset score range as the initial payment channel.

[0108] The above values ​​are only examples and can be set or adjusted according to actual conditions. The standard response time, standard score, normal score range, and preset score range can be set or adjusted according to actual conditions.

[0109] In this solution, each payment channel corresponding to the preset method is scored according to a number of preset indicators to obtain a first target score corresponding to each payment channel. The initial payment channel is determined based on the first target score, which ensures the reliability of the initial payment channel and further ensures the reliability of the target payment channel, so that the business can operate stably and adjust dynamically, thereby improving the flexibility and stability of the payment process and the stability of the payment system.

[0110] In one feasible solution, Figure 2 As shown, step S14 includes:

[0111] S141. Based on the indicator priority order of several preset indicators, select an alternative payment channel whose indicator value meets the preset conditions as the target payment channel.

[0112] Specifically, the preset indicators include at least one of the payment channel response time, the payment channel success rate, and the payment channel cost. Taking three preset indicators and two alternative payment channels as an example, the indicator priority order is payment channel response time, payment channel success rate, and payment channel cost. Each preset indicator has a preset value, and the preset condition is that the indicator value is within the preferred range of the preset value. For example, for the payment channel response time, the indicator value less than the preset value is preferred; for the payment channel success rate, the indicator value greater than or equal to the preset value is preferred; for the payment channel cost, the indicator value less than the preset value is preferred.

[0113] The two alternative payment channels are the first channel and the second channel. According to the indicator priority order, the indicator values ​​of the first channel and the second channel in terms of payment channel response time, payment channel success rate, and payment channel cost are judged in turn to see whether they meet the preset conditions. If the indicator value of the first channel in terms of payment channel response time meets the preset conditions, and the indicator value of the second channel in terms of payment channel response time does not meet the preset conditions, the first channel is used as the target payment channel. If the indicator values ​​of the first channel and the second channel in terms of payment channel response time both meet the preset conditions, the indicator values ​​of the first channel and the second channel in terms of payment channel success rate continue to be compared to see whether they meet the preset conditions. The judgment method is similar to the judgment method of payment channel response time, and will not be repeated here.

[0114] For example, the preset values ​​of payment channel response time, payment channel success rate, and payment channel cost are 15s, 98%, and 0.3 respectively, the indicator values ​​of the first channel are 10s, 99%, and 0.4 respectively, and the indicator values ​​of the second channel are 15S, 98%, and 0.1 respectively.

[0115] The corresponding index values ​​of the first channel and the second channel in payment channel response time and payment channel success rate both meet the preset conditions, the corresponding index value of the second channel in payment channel cost meets the preset conditions, and the corresponding index value of the first channel in payment channel cost does not meet the preset conditions, and the second channel is taken as the target payment channel.

[0116] In this scheme, according to the indicator priority order of several preset indicators, the alternative payment channel whose indicator value meets the preset conditions is selected as the target payment channel, taking into account the importance of the preset indicators and ensuring the accuracy and reliability of the target payment channel.

[0117] In another feasible solution, Figure 5 As shown, step S14 includes:

[0118] S142, obtaining the indicator score corresponding to each indicator value and the indicator weight corresponding to each preset indicator;

[0119] S143. Obtaining a second target score corresponding to each candidate payment channel based on the indicator score and indicator weight of each candidate payment channel on each preset indicator;

[0120] S144. Select a target payment channel from the candidate payment channels based on the second target score.

[0121] Specifically, the preset indicators include at least one of the response time of the payment channel, the success rate of the payment channel, and the cost of the payment channel. Taking three preset indicators and two alternative payment channels as an example, each preset indicator has a standard value, and the standard value corresponds to a standard score. The standard value and the standard score can be set or adjusted according to the actual situation. The ratio of the indicator value of each alternative payment channel on each preset indicator to the standard value is obtained, and the product of the ratio and the standard score is used as the indicator score corresponding to the indicator value. The sum of the product of the indicator score of each alternative payment channel on each preset indicator and the indicator weight is used as the second target score, and the alternative payment channel with the largest second target score is selected as the target payment channel.

[0122] For example, the indicator weights of payment channel response time, payment channel success rate, and payment channel cost are 0.3, 0.5, and 0.2, respectively. The alternative payment channels are the third channel and the fourth channel. The indicator values ​​of the third channel are 10s, 99%, and 0.2, respectively, and the indicator values ​​of the fourth channel are 10s, 98%, and 0.1, respectively. The second target score corresponding to the third channel is greater than the second target score corresponding to the fourth channel, and the third channel is used as the target payment channel.

[0123] In this scheme, a second target score is obtained according to the indicator values ​​and indicator weights of several preset indicators, and a target payment channel is selected from the alternative payment channels according to the second target score. The influence of each preset indicator is comprehensively considered to ensure the accuracy and reliability of the target payment channel.

[0124] In another feasible solution, the preset indicator includes at least one of payment channel response time, payment channel success rate, and payment channel cost.

[0125] In this scheme, the payment channel response time, payment channel success rate, and payment channel cost are used as preset indicators to detect the alternative payment channels, obtain the indicator values, and then select the target payment channel from the alternative payment channels, thereby ensuring the accuracy and reliability of the target payment channel.

[0126] The working principle of the payment channel selection method of this embodiment is explained below with reference to specific examples:

[0127] Receive a payment request for a payment transaction, and obtain a payment method corresponding to the payment request; in response to the payment method being WeChat Pay or Alipay, directly select the corresponding payment method to process the payment transaction;

[0128] In response to the payment method being a preset method such as bank card payment, scoring each payment channel corresponding to the preset method according to preset indicators such as payment channel response time, payment channel success rate, and payment channel switch status to obtain a first target score corresponding to each payment channel, selecting several payment channels whose first target scores are within a preset score range as initial payment channels, and determining whether there is an initial payment channel among the several initial payment channels whose first business standard matches the first business information corresponding to the payment request;

[0129] If there is an initial payment channel whose first business standard matches the first business information corresponding to the payment request among the several initial payment channels, the initial payment channel whose first business standard matches the first business information corresponding to the payment request is used as an alternative payment channel;

[0130] If there is no initial payment channel whose first business standard matches the first business information corresponding to the payment request among the several initial payment channels, then determine whether there is an initial payment channel whose second business standard matches the second business information corresponding to the payment request among the several initial payment channels; if there is an initial payment channel whose second business standard matches the second business information corresponding to the payment request among the several initial payment channels, then use the initial payment channel whose second business standard matches the second business information corresponding to the payment request as an alternative payment channel;

[0131] If there is no initial payment channel whose second business standard matches the second business information corresponding to the payment request among the initial payment channels, the initial payment channel with the highest priority is used as an alternative payment channel;

[0132] Based on several preset indicators, each alternative payment channel is tested separately to obtain the indicator value of each alternative payment channel on each preset indicator; the indicator score corresponding to each indicator value and the indicator weight corresponding to each preset indicator are obtained; based on the indicator score and indicator weight of each alternative payment channel on each preset indicator, the second target score corresponding to each alternative payment channel is obtained; and the alternative payment channel with the largest second target score is selected as the target payment channel.

[0133] If no alternative payment channel is selected according to the first business information and the second business information, the initial payment channel with the highest priority is used as the alternative payment channel, and the alternative payment channel is used as the target payment channel;

[0134] If an alternative payment channel is selected according to the first business information (and the second business information), the alternative payment channel is used as the target payment channel;

[0135] If at least two alternative payment channels are selected according to the first business information (and the second business information), each alternative payment channel is tested separately based on a number of preset indicators to obtain the indicator value of each alternative payment channel on each preset indicator, and then the target payment channel is selected from the two alternative payment channels according to the indicator value.

[0136] In this embodiment, the alternative payment channels are detected according to several preset indicators to obtain indicator values, and then the target payment channel is selected from the alternative payment channels according to the indicator values, thereby quickly and accurately selecting the payment channel, improving the quality of the target payment channel, ensuring the stability of payment, and improving the user experience.

[0137] Example 3

[0138] This embodiment provides a payment channel selection system, such as Figure 6 As shown, the selection system includes:

[0139] Request receiving module 1, used for receiving payment request;

[0140] The alternative channel determination module 2 is used to determine a number of alternative payment channels based on the payment request;

[0141] An indicator scoring acquisition module 3 is used to detect each candidate payment channel based on a number of preset indicators to obtain an indicator value of each candidate payment channel on each preset indicator;

[0142] The target channel selection module 4 is used to select a target payment channel from the candidate payment channels based on the indicator value.

[0143] In this embodiment, the alternative payment channels are detected according to several preset indicators to obtain indicator values, and then the target payment channel is selected from the alternative payment channels according to the indicator values, thereby quickly and accurately selecting the payment channel, improving the quality of the target payment channel, ensuring the stability of payment, and improving the user experience.

[0144] Example 4

[0145] This embodiment provides a payment channel selection system, which is a further improvement on Embodiment 3.

[0146] In one feasible solution, Figure 7 As shown, the candidate channel determination module 2 includes:

[0147] A payment method acquisition unit 21, used to acquire a payment method corresponding to a payment request;

[0148] The initial channel acquisition unit 22 is used for acquiring a plurality of initial payment channels corresponding to the preset method in response to the payment method being the preset method;

[0149] The alternative channel selection unit 23 is used to select an alternative payment channel from a number of initial payment channels based on the business information corresponding to the payment request.

[0150] In an implementable solution, the business information includes first business information and second business information, the first business information includes at least one of time, card issuing bank, amount, product, and number of transactions, and the second business information includes at least one of time, card issuing bank, payment channel status, transaction type, and transaction limit;

[0151] The candidate channel selection unit 23 includes:

[0152] A first response subunit 231 is used for responding to the first business information matching the first business standard corresponding to at least one initial payment channel, using the initial payment channel whose first business standard matches the first business information as an alternative payment channel;

[0153] The second response subunit 232 is used for responding to the fact that the first business information does not match the first business standard corresponding to all the initial payment channels and the second business information matches the second business standard corresponding to at least one initial payment channel, taking the initial payment channel whose second business standard matches the second business information as an alternative payment channel;

[0154] The third response subunit 233 is used to determine an alternative payment channel based on the channel priority order of the initial payment channels in response to the first business information not matching the first business standards corresponding to all initial payment channels and the second business information not matching the second business standards corresponding to all initial payment channels.

[0155] In an implementable solution, the initial channel acquisition unit 22 includes:

[0156] The score acquisition subunit 221 is used to score each payment channel corresponding to the preset method based on a number of preset indicators to obtain a first target score corresponding to each payment channel;

[0157] The initial channel acquisition subunit 222 is used to determine an initial payment channel based on the first target score.

[0158] In an implementable solution, the target channel selection module 4 includes:

[0159] The first target channel selection unit 41 is used to select, based on the indicator priority order of a plurality of preset indicators, an alternative payment channel whose indicator value meets preset conditions as a target payment channel.

[0160] In another feasible solution, the target channel selection module 4 includes:

[0161] An indicator score obtaining unit 42 is used to obtain an indicator score corresponding to each indicator value;

[0162] The indicator weight obtaining unit 43 is used to obtain the indicator weight corresponding to each preset indicator;

[0163] A score obtaining unit 44 is used to obtain a second target score corresponding to each candidate payment channel based on the indicator score and indicator weight of each candidate payment channel on each preset indicator;

[0164] The second target channel selection unit 45 is used to select a target payment channel from the candidate payment channels based on the second target score.

[0165] In an implementable solution, the preset indicator includes at least one of payment channel response time, payment channel success rate, and payment channel cost.

[0166] In this embodiment, the alternative payment channels are detected according to several preset indicators to obtain indicator values, and then the target payment channel is selected from the alternative payment channels according to the indicator values, thereby quickly and accurately selecting the payment channel, improving the quality of the target payment channel, ensuring the stability of payment, and improving the user experience.

[0167] As for the system embodiment, since it basically corresponds to the method embodiment, the relevant parts can refer to the partial description of the method embodiment. The system embodiment described above is only illustrative, wherein the units described as separate components may or may not be physically separated, and the components as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the disclosed solution.

[0168] Example 5

[0169] Figure 8 This is a schematic diagram of the structure of an electronic device shown in an example embodiment of the present disclosure, the electronic device includes a memory, a processor, and a computer program stored in the memory and used to run on the processor, and the processor implements the payment channel selection method described in any of the above embodiments when executing the computer program. Figure 8 The electronic device 90 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0170] like Figure 8As shown, the electronic device 90 may be in the form of a general-purpose computing device, for example, it may be a server device. The components of the electronic device 90 may include, but are not limited to: at least one processor 91, at least one memory 92, and a bus 93 connecting different system components (including the memory 92 and the processor 91).

[0171] The bus 93 includes a data bus, an address bus, and a control bus.

[0172] The memory 92 may include a volatile memory, such as a random access memory (RAM) 921 and / or a cache memory 922 , and may further include a read only memory (ROM) 923 .

[0173] The memory 92 may also include a program tool 925 (or utility) having a set (at least one) of program modules 924, such program modules 924 including but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment.

[0174] The processor 91 executes various functional applications and data processing by running the computer program stored in the memory 92, such as the payment channel selection method provided in any of the above embodiments.

[0175] The electronic device 90 may also communicate with one or more external devices 94 (e.g., keyboards, pointing devices, etc.). Such communication may be performed via an input / output (I / O) interface 95. Furthermore, the electronic device 90 may also communicate with one or more networks (e.g., local area networks (LANs), wide area networks (WANs), and / or public networks, such as the Internet) via a network adapter 96. As shown, the network adapter 96 communicates with other modules of the electronic device 90 via a bus 93. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 90, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID (disk array) systems, tape drives, and data backup storage systems, etc.

[0176] It should be noted that although several units / modules or sub-units / modules of the electronic device are mentioned in the above detailed description, this division is merely exemplary and not mandatory. In fact, according to the embodiments of the present disclosure, the features and functions of two or more units / modules described above can be embodied in one unit / module. Conversely, the features and functions of one unit / module described above can be further divided into multiple units / modules to be embodied.

[0177] Example 6

[0178] The embodiments of the present disclosure also provide a computer-readable storage medium having a computer program stored thereon, and when the program is executed by a processor, the method for selecting a payment channel provided in any of the above embodiments is implemented.

[0179] The readable storage medium may include but is not limited to: a portable disk, a hard disk, a random access memory, a read-only memory, an erasable programmable read-only memory, an optical storage device, a magnetic storage device or any suitable combination of the above.

[0180] Example 7

[0181] The embodiments of the present disclosure also provide a computer program product, including a computer program, which implements any of the above-mentioned payment channel selection methods when executed by a processor.

[0182] Among them, the program code for executing the computer program product of the present disclosure can be written in any combination of one or more programming languages, and the program code can be executed completely on the user device, partially on the user device, as an independent software package, partially on the user device and partially on a remote device, or completely on the remote device.

[0183] Although the specific embodiments of the present disclosure are described above, those skilled in the art should understand that this is only an example, and the protection scope of the present disclosure is defined by the appended claims. Those skilled in the art may make various changes or modifications to these embodiments without departing from the principles and essence of the present disclosure, but these changes and modifications all fall within the protection scope of the present disclosure.

Claims

1. A method for selecting a payment channel, characterized in that: The selection method includes: Receive payment requests; Based on the payment request, determining a number of alternative payment channels; Based on a number of preset indicators, each of the candidate payment channels is tested respectively to obtain an indicator value of each of the candidate payment channels on each of the preset indicators; Based on the indicator value, a target payment channel is selected from the candidate payment channels.

2. The method for selecting a payment channel according to claim 1, characterized in that: The step of determining a plurality of alternative payment channels based on the payment request comprises: Obtaining a payment method corresponding to the payment request; In response to the payment method being a preset method, obtaining a plurality of initial payment channels corresponding to the preset method; Based on the business information corresponding to the payment request, the alternative payment channel is selected from the plurality of initial payment channels.

3. The method for selecting a payment channel according to claim 2, characterized in that: The business information includes first business information and second business information, the first business information includes at least one of time, card issuing bank, amount, product, and number of transactions, and the second business information includes at least one of time, card issuing bank, payment channel status, transaction type, and transaction limit; The step of selecting the alternative payment channel from the plurality of initial payment channels based on the business information corresponding to the payment request comprises: In response to the first business information matching a first business standard corresponding to at least one of the initial payment channels, taking the initial payment channel whose first business standard matches the first business information as the alternative payment channel; In response to the first business information not matching the first business standard corresponding to all the initial payment channels and the second business information matching the second business standard corresponding to at least one of the initial payment channels, taking the initial payment channel whose second business standard matches the second business information as the alternative payment channel; In response to the first business information not matching the first business standards corresponding to all the initial payment channels and the second business information not matching the second business standards corresponding to all the initial payment channels, the alternative payment channel is determined based on the channel priority order of the initial payment channels.

4. The method for selecting a payment channel according to claim 3, characterized in that: The step of obtaining a plurality of initial payment channels corresponding to the preset method comprises: Based on the plurality of preset indicators, each payment channel corresponding to the preset method is scored respectively to obtain a first target score corresponding to each payment channel; Based on the first target score, the initial payment channel is determined.

5. The method for selecting a payment channel according to any one of claims 1 to 4, characterized in that: The step of selecting a target payment channel from the candidate payment channels based on the indicator value comprises: Based on the indicator priority order of the plurality of preset indicators, selecting the candidate payment channel whose indicator value meets the preset conditions as the target payment channel; or, The step of selecting a target payment channel from the candidate payment channels based on the indicator value comprises: Obtaining the indicator score corresponding to each of the indicator values ​​and the indicator weight corresponding to each of the preset indicators; Based on the indicator score and the indicator weight of each of the candidate payment channels on each of the preset indicators, obtaining a second target score corresponding to each of the candidate payment channels; The target payment channel is selected from the candidate payment channels based on the second target score.

6. The method for selecting a payment channel according to any one of claims 1 to 4, characterized in that: The preset indicator includes at least one of payment channel response time, payment channel success rate, and payment channel cost.

7. A payment channel selection system, characterized in that: The selection system comprises: A request receiving module, used for receiving a payment request; An alternative channel determination module, used to determine a number of alternative payment channels based on the payment request; An indicator scoring acquisition module, used to detect each of the candidate payment channels based on a number of preset indicators, and obtain an indicator value of each of the candidate payment channels on each of the preset indicators; The target channel selection module is used to select a target payment channel from the candidate payment channels based on the indicator value.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and used to run on the processor, characterized in that: When the processor executes the computer program, the method for selecting a payment channel according to any one of claims 1 to 6 is implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the method for selecting a payment channel according to any one of claims 1 to 6 is implemented.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method for selecting a payment channel according to any one of claims 1 to 6 is implemented.

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