Payment mode sorting method and device
By dynamically adjusting the sorting of payment methods, the problem of inflexible sorting of payment methods in the existing technology is solved, and payment efficiency and user experience are improved, and users' personalized needs are met.
Patent Information
- Application Number
- CN202510276846.6
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-03-10
- Publication Date
- 2025-07-18
AI Technical Summary
The sorting of payment methods in the prior art lacks flexibility and cannot meet the common payment habits of users, affecting payment success rate and efficiency.
By obtaining the available payment methods for orders to be paid, sorting them in combination with the priority and weight of the payment methods, and collecting performance indicators in real time, using the sliding time window mechanism to dynamically adjust the base order of the payment methods to generate the final sort.
It improves the efficiency, success rate and user experience of payment, meets users' personalized payment habits, and takes into account the performance indicators of payment service providers.
Smart Images
Figure CN120338314A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the technical field of payment, and particularly to a method and device for sorting payment methods. Background Art
[0002] This section aims to provide background or context for the embodiments of the present invention described in the claims. The description herein is not admitted to be prior art merely because it is included in this section.
[0003] With the progress and development of the times, electronic payment technology has become more and more popular. For example, users can bind a bank card to a payment account or use a third-party software to conveniently use the payment account to complete payments. Currently, when there are multiple payment methods at the cashier desk of a payment application, the common practice is to display them to the user in a certain fixed order. The prior art usually sorts the names of each payment method in a fixed order according to the first English letter, which cannot meet the common payment habits of users and affects the user experience. In addition, the sorting of payment methods in the prior art lacks flexibility, resulting in low payment success rate and payment efficiency in the actual application process. Summary of the Invention
[0004] Embodiments of the present invention provide a method for sorting payment methods to improve payment efficiency, success rate and user experience. The method includes:
[0005] Obtain a set of available payment methods for the order to be paid; the set of available payment methods is screened and generated based on order information and payment service provider information;
[0006] Configure the sorting of payment methods according to the set of available payment methods; during the configuration process, sort according to the priority and weight of the payment methods to determine the baseline order of the payment methods; wherein, the priority of the payment method is preset based on different payment scenarios, and the weight of the payment method is determined according to the priority and weight of preset factors;
[0007] Real-time collect the performance indicators of the payment interface under the current payment method, and dynamically adjust the baseline order of the payment methods in combination with the sliding time window mechanism; the performance indicators include: response rate, success rate and handling fee rate; during the process of dynamically adjusting the baseline order of the payment methods, update the response rate, success rate and handling fee rate of the payment interface under the current payment method according to the interval duration of the sliding time window; when any one of the updated response rate, success rate and handling fee rate is lower than the dynamic threshold, adjust the priority and / or weight of the current payment method; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period.
[0008] Resort the adjusted payment methods to generate the final order of the payment methods and display it on the cashier interface.
[0009] An embodiment of the present invention further provides a sorting device for payment methods, which is used to improve the efficiency, success rate, and user experience of payments. The device includes:
[0010] An available payment method set acquisition module, which is used to acquire the set of available payment methods for the order to be paid; the set of available payment methods is screened and generated based on order information and payment service provider information;
[0011] A payment method sorting configuration module, which is used to configure the sorting of payment methods according to the set of available payment methods; during the configuration process, sorting is performed according to the priority of the payment method and the weight of the payment method to determine the baseline order of the payment method; among them, the priority of the payment method is preset based on different payment scenarios, and the weight of the payment method is determined according to the priority of the preset factors and the weight of the preset factors;
[0012] A payment method baseline order adjustment module, which is used to collect the performance indicators of the payment interface under the current payment method in real time, and dynamically adjust the baseline order of the payment method in combination with the sliding time window mechanism; the performance indicators include: response rate, success rate, and handling fee rate; during the process of dynamically adjusting the baseline order of the payment method, according to the interval duration of the sliding time window, update the response rate, success rate, and handling fee rate of the payment interface under the current payment method; when any one of the updated response rate, success rate, and handling fee rate is lower than the dynamic threshold, adjust the priority and / or weight of the current payment method; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period;
[0013] A payment method sorting display module, which is used to re-sort the adjusted payment methods, generate the final order of the payment methods, and display it on the cashier interface.
[0014] An embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the above-mentioned sorting method for payment methods is implemented.
[0015] An embodiment of the present invention further provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned sorting method for payment methods is implemented.
[0016] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the above-mentioned sorting method for payment methods is implemented.
[0017] In an embodiment of the present invention, a set of available payment methods for a to-be-paid order is obtained; the set of available payment methods is screened and generated based on order information and payment service provider information; according to the set of available payment methods, the sorting of payment methods is configured; during the configuration process, sorting is performed according to the priority of the payment method and the weight of the payment method to determine the baseline order of the payment methods; wherein, the priority of the payment method is preset based on different payment scenarios, and the weight of the payment method is determined according to the priority of preset factors and the weight of the preset factors; performance indicators of the payment interface under the current payment method are collected in real time, and the baseline order of the payment methods is dynamically adjusted in combination with the sliding time window mechanism; the performance indicators include: response rate, success rate, and handling fee rate; during the process of dynamically adjusting the baseline order of the payment methods, the response rate, success rate, and handling fee rate of the payment interface under the current payment method are updated according to the interval duration of the sliding time window; when any one of the updated response rate, success rate, and handling fee rate is lower than the dynamic threshold, the priority and / or weight of the current payment method is adjusted; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period; the adjusted payment methods are re-sorted to generate the final order of the payment methods and displayed on the cashier interface. In the above process, the embodiment of the present invention solves the problem that the prior art determines the payment order only relying on static data by real-time monitoring the performance indicators of the payment interface. The embodiment of the present invention fully considers the differences in payment scenarios of each payment method, and the payment sorting rules need to be adapted to local conditions. It is necessary to consider both the user's common payment habits and the payment success rate, payment rate, and service capabilities of the payment service provider, etc., to sort multiple available payment methods, improving the payment efficiency, success rate, and user experience. BRIEF DESCRIPTION OF THE DRAWINGS
[0018] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following drawings are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings. In the drawings:
[0019] Figure 1 It is a flowchart of the method for sorting payment methods in an embodiment of the present invention;
[0020] Figure 2 It is a flowchart of predicting the stability of payment methods in an embodiment of the present invention;
[0021] Figure 3 It is a schematic diagram of the device for sorting payment methods in an embodiment of the present invention;
[0022] Figure 4Schematic diagram of the sorting device for specific payment methods in the embodiments of the present invention;
[0023] Figure 5 Schematic diagram of the computer device in the embodiments of the present invention. Detailed implementation manners
[0024] To make the objectives, technical solutions and advantages of the embodiments of the present invention clearer and more understandable, the following further describes the embodiments of the present invention in detail with reference to the accompanying drawings. Herein, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.
[0025] In the technical solutions of the present application, the acquisition, storage, use, processing, etc. of data all comply with the relevant provisions of national laws and regulations.
[0026] Figure 1 Flowchart of the sorting method for payment methods in the embodiments of the present invention. The method includes:
[0027] Step 101: Obtain the set of available payment methods for the order to be paid; the set of available payment methods is screened and generated based on order information and payment service provider information;
[0028] Step 102: Configure the sorting of payment methods according to the set of available payment methods; during the configuration process, sort according to the priority and weight of the payment methods to determine the baseline order of the payment methods; wherein, the priority of the payment method is preset based on different payment scenarios, and the weight of the payment method is determined according to the priority of the preset factors and the weight of the preset factors;
[0029] Step 103: Real-time collect the performance indicators of the payment interface under the current payment method, and dynamically adjust the baseline order of the payment methods in combination with the sliding time window mechanism; the performance indicators include: response rate, success rate and handling fee rate; during the process of dynamically adjusting the baseline order of the payment methods, update the response rate, success rate and handling fee rate of the payment interface under the current payment method according to the interval duration of the sliding time window; when any one of the updated response rate, success rate and handling fee rate is lower than the dynamic threshold, adjust the priority and / or weight of the current payment method; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period.
[0030] Step 104: Resort the adjusted payment methods to generate the final order of the payment methods and display it on the cashier interface.
[0031] The following specifically describes each step.
[0032] In step 101, obtain the set of available payment methods for the order to be paid; the set of available payment methods is screened and generated based on order information and payment service provider information.
[0033] In a specific embodiment, when the user confirms the order to be paid and requests to open the payment desk, all available payment methods for the current order will be filtered out for the user to choose, and these payment methods also provide a basis for the subsequent sorting of payment methods.
[0034] In step 102, according to the set of available payment methods, the sorting of payment methods is configured; during the configuration process, sorting is performed according to the priority of the payment method and the weight of the payment method to determine the baseline order of the payment methods; among them, the priority of the payment method is preset based on different payment scenarios, and the weight of the payment method is determined according to the priority of the preset factors and the weight of the preset factors.
[0035] In a specific embodiment, the initial priority order of payment methods is defined based on different scenarios (such as the system official website, mobile APP).
[0036] In a specific embodiment, the product of the priority and weight of each preset factor is added up to calculate the weight of the payment method.
[0037] In step 103, the performance indicators of the payment interface under the current payment method are collected in real time, and the baseline order of the payment methods is dynamically adjusted in combination with the sliding time window mechanism; the performance indicators include: response rate, success rate, and handling fee rate; during the process of dynamically adjusting the baseline order of the payment methods, according to the interval duration of the sliding time window, the response rate, success rate, and handling fee rate of the payment interface under the current payment method are updated; when any one of the updated response rate, success rate, and handling fee rate is lower than the dynamic threshold, the priority and / or weight of the current payment method is adjusted; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period.
[0038] In one embodiment, calculating the dynamic threshold based on the performance indicators of the payment interface in the same historical period includes:
[0039] According to the response rate, success rate, and handling fee rate of the payment interface in the same historical period, a time series prediction model is trained to output a response rate threshold, a success rate threshold, and a handling fee rate threshold.
[0040] Through the dynamic threshold and the sliding window, the adaptability to different index data is improved, thereby improving the accuracy of the payment method sorting.
[0041] Figure 2 This is a flowchart for predicting the stability of payment methods in an embodiment of the present invention. In one embodiment, it further includes:
[0042] Step 201, obtaining external factor data: user geographical location and payment device type, and the performance indicators of the payment interface under the current payment method;
[0043] Step 202, input the external factor data and the performance indicators of the payment interface into the trained LSTM model to predict the stability of the payment method; wherein, the historical external factor data and the performance indicators of the payment interface in the same period are used as input, and the stability of the historical payment method is used as output to train the LSTM model.
[0044] In one embodiment, the stability of the payment method is calculated according to the following formula:
[0045] Stability of payment method = α·success rate + β·response rate + γ·external factor data;
[0046] Among them, α, β, and γ are the weights of the LSTM model output. Incorporating external factors (weather, geography, and equipment) into the prediction of payment method stability breaks through the limitation of traditional methods that only rely on historical performance data, thereby having a more comprehensive evaluation of payment methods when determining payment method priorities.
[0047] In a specific embodiment, the method for handling abnormal payment method sorting is as follows:
[0048] 1) When a payment method is unavailable, it will be automatically filtered out and the remaining payment methods will be re-sorted to obtain the corresponding sorting results;
[0049] 2) If there are multiple payment methods displayed in the same order, the device will randomly assign the order to the payment methods with the same order.
[0050] In one embodiment, it further includes:
[0051] The configured payment method sorting rules, payment method adjustment records and abnormal sorting are stored in the blockchain.
[0052] Taking the official website of an airline as an example, the implementation process of the embodiment of the present invention is described:
[0053] Step 1: The airline business personnel configure the official payment method sorting rules in the system. Assume that the configured data is shown in Table 1 below.
[0054] Table 1
[0055]
[0056] Step 2: The sorting calculation engine obtains the business data of each payment method in the above set in turn, namely: marketing activities, whether it is the platform's own account system, factor A, factor B, factor C, and sorts the payment methods in the set according to the above data. Example: Assume that this set contains payment method 1, payment method 2, payment method 3, payment method 4, own payment 1, own payment 2, a total of 6 payment methods; and the system obtains the business data of each payment method as shown in Table 2 below:
[0057] Table 2
[0058]
[0059] According to the above rules and business data, it can be known that: the display order of Payment Method 1 is 1 (a specific order with a priority of 1), the display order of Payment Method 2 is 2 (a marketing activity with a priority of 2), the display order of Own Payment 1 is 3 (the platform's own account system with a priority of 3), and the display order of Own Payment 2 is 4 (the platform's own account system with a priority of 3). The remaining Payment Method 3 and Payment Method 4 are sorted according to the weight distribution rule with a priority of 4 (Note: Total weight = Factor A order * Factor A weight + Factor B order * Factor B weight + Factor C order * Factor C weight). According to the formula, the total weight of Payment Method 3 = 2 * 20% + 1 * 30% + 1 * 50% = 2, and the total weight of Payment Method 4 = 1 * 20% + 2 * 30% + 2 * 50% = 1.8. Since the weight of Payment Method 3 is greater than that of Payment Method 4, the display order of Payment Method 3 is 5 and the display order of Payment Method 4 is 6, thus the benchmark order of the payment methods can be calculated.
[0060] Step 3: Monitor the performance indicators of the payment interface under the payment method in real time to adjust the payment method order. Taking the performance indicators in Table 3 below (response rate and success rate of the payment interface) as an example, that is: if the success rate of a certain payment method is between 60% and 80% within the last 1 hour (order ↓ down 1 level), and the interface response rate is 58% within the last half hour (order ↓ down 2 levels), then this payment method should be automatically lowered by three levels.
[0061] Table 3
[0062]
[0063] Continuing with the above example for a detailed explanation, as shown in Table 4:
[0064] Table 4
[0065]
[0066] In addition, it should be noted that: each configuration in the cash register sorting rule engine can set different data according to different sales channels, and if the multi-channel configuration data is the same, the same set of data tables can also be shared. For example, if a certain payment method launches a certain marketing activity simultaneously on the official website, APP, and mini-program sales channels, it will simultaneously trigger the adjustment of the benchmark order ranking of the cash register for these three channels.
[0067] Step 4: According to the final payment method order, display each payment method on the cash register, so that the cash register can achieve high-precision sorting of payment methods through the synergistic effects of configurations such as priority stratification, real-time feedback, and personalized rules, improving the passenger experience and service quality.
[0068] In an embodiment of the present invention, a sorting device for payment methods is also provided, as described in the following embodiments. Since the principle of the device for solving problems is similar to that of the sorting method for payment methods, the implementation of the device can refer to the implementation of the sorting method for payment methods, and the repeated parts will not be elaborated.
[0069] Figure 3 It is a schematic diagram of the sorting device for payment methods in an embodiment of the present invention. The device includes:
[0070] An available payment method set acquisition module 301, configured to acquire an available payment method set of an order to be paid; the available payment method set is generated by screening based on order information and payment service provider information;
[0071] A payment method sorting configuration module 302, configured to configure the sorting of payment methods according to the available payment method set; during the configuration process, sort according to the priority of the payment method and the weight of the payment method to determine the benchmark order of the payment method; wherein, the priority of the payment method is preset based on different payment scenarios, and the weight of the payment method is determined according to the priority of the preset factors and the weight of the preset factors;
[0072] A payment method benchmark order adjustment module 303, configured to collect performance indicators of the payment interface under the current payment method in real time, and dynamically adjust the benchmark order of the payment method in combination with a sliding time window mechanism; the performance indicators include: response rate, success rate, and handling fee rate; during the process of dynamically adjusting the benchmark order of the payment method, update the response rate, success rate, and handling fee rate of the payment interface under the current payment method according to the interval duration of the sliding time window; when any one of the updated response rate, success rate, and handling fee rate is lower than the dynamic threshold, adjust the priority and / or weight of the current payment method; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period;
[0073] A payment method sorting display module 304, configured to re-sort the adjusted payment methods to generate the final order of the payment methods and display it on the cash register interface.
[0074] In one embodiment, it further includes a storage module, specifically used for:
[0075] Store the configured payment method sorting rules, adjustment records of payment methods, and abnormal sorting into the blockchain.
[0076] In one embodiment, it further includes a dynamic threshold determination module, specifically for:
[0077] Train a time series prediction model based on the response rate, success rate, and handling fee rate of the payment interface in the same period of history, and output a response rate threshold, a success rate threshold, and a handling fee rate threshold.
[0078] Figure 4 It is a schematic diagram of the sorting device for specific payment methods in the embodiments of the present invention. In one embodiment, it further includes a payment method stability prediction module 401, specifically for:
[0079] Obtain external factor data: user geographical location and payment device type, and the performance indicators of the payment interface under the current payment method;
[0080] Input the external factor data and the performance indicators of the payment interface into the trained LSTM model to predict the stability of the payment method; wherein, use the external factor data and the performance indicators of the payment interface in the same period of history as the input, and use the stability of the historical payment method as the output to train the LSTM model.
[0081] In one embodiment, the payment method stability prediction module is specifically for:
[0082] Calculate the stability of the payment method according to the following formula:
[0083] Stability of the payment method = α · success rate + β · response rate + γ · external factor data;
[0084] Wherein, α, β, and γ are the weights output by the LSTM model respectively.
[0085] The embodiments of the present invention also provide a computer device, Figure 5 It is a schematic diagram of the computer device in the embodiments of the present invention. The computer device 500 includes a memory 510, a processor 520, and a computer program 530 stored on the memory 510 and executable on the processor 520. When the processor 520 executes the computer program 530, it implements the above-mentioned sorting method for payment methods.
[0086] The embodiments of the present invention also provide a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it implements the above-mentioned sorting method for payment methods.
[0087] The embodiments of the present invention also provide a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned sorting method for payment methods.
[0088] In an embodiment of the present invention, a set of available payment methods for a to-be-paid order is obtained; the set of available payment methods is screened and generated based on order information and payment service provider information; according to the set of available payment methods, the sorting of payment methods is configured; during the configuration process, sorting is performed according to the priority of payment methods and the weight of payment methods to determine the baseline order of payment methods; wherein, the priority of payment methods is preset based on different payment scenarios, and the weight of payment methods is determined according to the priority of preset factors and the weight of preset factors; performance indicators of payment interfaces under the current payment method are collected in real time, and the baseline order of payment methods is dynamically adjusted in combination with a sliding time window mechanism; the performance indicators include: response rate, success rate, and handling fee rate; during the process of dynamically adjusting the baseline order of payment methods, the response rate, success rate, and handling fee rate of the payment interface under the current payment method are updated according to the interval duration of the sliding time window; when any one of the updated response rate, success rate, and handling fee rate is lower than the dynamic threshold, the priority and / or weight of the current payment method is adjusted; the dynamic threshold is calculated based on the performance indicators of payment interfaces in the same historical period; the adjusted payment methods are re-sorted to generate the final order of payment methods and displayed on the cashier interface. In the above process, the embodiment of the present invention solves the problem that the prior art only relies on static data to determine the payment order by dynamically adjusting the sorting of payment methods through real-time monitoring of the performance indicators of payment interfaces. The embodiment of the present invention fully considers the differences in payment scenarios of each payment method, and the payment sorting rules need to be adapted to local conditions. It is necessary to consider both the user's common payment habits and the payment success rate, payment rate, and service capabilities of payment service providers, etc., to sort multiple available payment methods, improving the payment efficiency, success rate, and user experience.
[0089] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can be implemented in the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can be implemented in the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0090] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate means for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks
[0091] These computer program instructions can 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, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks
[0092] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks
[0093] The specific embodiments described above further elaborate on the purpose, technical solutions, and beneficial effects of the present invention. It should be understood that the above are only specific embodiments of the present invention and are not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention shall be included in the protection scope of the present invention.
Claims
1. A sorting method for a payment method, characterized in that, Including: Obtain the set of available payment methods for the order to be paid; the set of available payment methods is filtered and generated based on the order information and payment service provider information; Configure the sorting of payment methods according to the set of available payment methods; during the configuration process, sort according to the priority of payment methods and the weight of payment methods to determine the baseline order of payment methods; among them, the priority of payment methods is preset based on different payment scenarios, and the weight of payment methods is determined according to the priority of preset factors and the weight of preset factors; Real-time collect the performance indicators of the payment interface under the current payment method, and dynamically adjust the baseline order of payment methods in combination with the sliding time window mechanism; the performance indicators include: response rate, success rate, and handling fee rate; during the process of dynamically adjusting the baseline order of payment methods, update the response rate, success rate, and handling fee rate of the payment interface under the current payment method according to the interval duration of the sliding time window; when any one of the updated response rate, success rate, and handling fee rate is lower than the dynamic threshold, adjust the priority and / or weight of the current payment method; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period; Re-sort the adjusted payment methods to generate the final order of payment methods and display it on the cashier interface.
2. The method according to claim 1, characterized in that, It also includes: Store the configured payment method sorting rules, adjustment records of payment methods, and abnormal sorting into the blockchain.
3. The method according to claim 1, wherein Calculating the dynamic threshold according to the performance indicators of the payment interface in the same historical period includes: Train a time series prediction model based on the response rate, success rate, and handling fee rate of the payment interface in the same historical period, and output the response rate threshold, success rate threshold, and handling fee rate threshold.
4. The method according to claim 1, wherein It also includes: Obtain external factor data: user geographical location and payment device type, and the performance indicators of the payment interface under the current payment method; Input the external factor data and the performance indicators of the payment interface into the trained LSTM model to predict the stability of the payment method; among them, use the external factor data and the performance indicators of the payment interface in the same historical period as the input, and use the stability of the historical payment method as the output to train the LSTM model.
5. The method according to claim 4, wherein Calculate the stability of the payment method according to the following formula: Stability of payment method = α·success rate + β·response rate + γ·external factor data; Among them, α, β, and γ are the weights output by the LSTM model respectively.
6. A sorting device for a payment method, characterized in that, Including: An available payment method set acquisition module, which is used to obtain the set of available payment methods for the order to be paid; the set of available payment methods is filtered and generated based on the order information and payment service provider information; A payment method sorting configuration module, which is used to configure the sorting of payment methods according to the set of available payment methods; during the configuration process, sort according to the priority of payment methods and the weight of payment methods to determine the baseline order of payment methods; among them, the priority of payment methods is preset based on different payment scenarios, and the weight of payment methods is determined according to the priority of preset factors and the weight of preset factors; The payment method benchmark order adjustment module is used to collect the performance indicators of the payment interface under the current payment method in real time, and dynamically adjust the benchmark order of the payment methods in combination with the sliding time window mechanism; the performance indicators include: response rate, success rate, and handling fee rate; during the process of dynamically adjusting the benchmark order of the payment methods, the response rate, success rate, and handling fee rate of the payment interface under the current payment method are updated according to the interval duration of the sliding time window; when any one of the updated response rate, success rate, and handling fee rate is lower than the dynamic threshold, the priority and / or weight of the current payment method is adjusted; the dynamic threshold is calculated based on the performance indicators of the payment interface in the same historical period. The payment method sorting and display module is used to re-sort the adjusted payment methods, generate the final order of the payment methods, and display it on the cash register interface.
7. The device according to claim 6, characterized in that, It also includes a storage module, specifically used for: Storing the configured payment method sorting rules, the adjustment records of the payment methods, and the abnormal sorting into the blockchain.
8. The device according to claim 6, characterized in that, It also includes a dynamic threshold determination module, specifically used for: Training a time series prediction model based on the response rate, success rate, and handling fee rate of the payment interface in the same historical period, and outputting the response rate threshold, success rate threshold, and handling fee rate threshold.
9. The device according to claim 6, characterized in that, It also includes a payment method stability prediction module, specifically used for: Obtaining external factor data: user geographical location and payment device type, and the performance indicators of the payment interface under the current payment method; Inputting the external factor data and the performance indicators of the payment interface into the trained LSTM model to predict the stability of the payment method; among them, the external factor data and the performance indicators of the payment interface in the same historical period are used as inputs, and the stability of the historical payment method is used as the output to train the LSTM model.
10. The device according to claim 9, characterized in that, The payment method stability prediction module, specifically used for: Calculating the stability of the payment method according to the following formula: The stability of the payment method = α·success rate + β·response rate + γ·external factor data; Where α, β, and γ are the weights output by the LSTM model respectively.
11. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method according to any one of claims 1 to 5.
12. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, it implements the method according to any one of claims 1 to 5.
13. A computer program product, characterized in that, The computer program product includes a computer program, and when the computer program is executed by the processor, it implements the method according to any one of claims 1 to 5.