CN111144854A - Distributed intelligent payment routing method and system - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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Abstract
The invention discloses a distributed intelligent payment routing method, which comprises the following steps: the routing system node receives the forwarded payment routing request; the routing system node loads the routing rule and the weight rule cached in the routing rule caching device through a routing rule loading module; the routing system node matches the routing rule and the weight rule to each payment channel through a routing rule matching module; and the routing system node calculates the weight fraction of each payment channel according to the matched routing rule and the weight rule through the routing rule calculation module to obtain the optimal payment channel with the highest fraction. By the method, the technical cost and the maintenance cost of the routing system can be reduced, and the stability, the reliability and the expandability of the system are improved.
Description
Technical Field
The invention relates to the technical field of internet payment, in particular to a distributed intelligent payment routing method and a distributed intelligent payment routing system.
Background
With the increase of internet payment products, companies access different payment channels for the stability of payment services. The routing system is used as a connector of a payment service and a payment channel, and needs to have certain stability, reliability and expandability.
At present, the routing rule mainly adopts a manual routing mode, when the number of accessed payment channels is small, an operator can designate the payment channels to manually switch, but when the number of the accessed payment channels is increased, the manual routing is a huge investment. And routing rule calculation based on weight is also carried out, scoring is carried out on each payment channel according to the routing rule factor weight, the score is highest, namely, the score is hit, but the routing rule factors comprise static routing rule factors and dynamic routing rule factors, and the weight of each routing rule factor dimension and a scoring calculation formula are not constant, so that the routing rule calculation based on the weight is a challenge for the stability, the reliability and the expandability of a routing system. And most routing rules of the distributed routing system depend on services to be realized, and the issuing of the routing rules and the real-time dynamic updating of the routing rules depend on the stability of other services, so that the technical cost and the maintenance cost are relatively high, and the stability and the reliability of the system are poor.
Disclosure of Invention
The embodiment of the disclosure provides a distributed intelligent payment routing method and a distributed intelligent payment routing system. The following presents a simplified summary in order to provide a basic understanding of some aspects of the disclosed embodiments. This summary is not an extensive overview and is intended to neither identify key/critical elements nor delineate the scope of such embodiments. Its sole purpose is to present some concepts in a simplified form as a prelude to the more detailed description that is presented later.
In some optional embodiments, a distributed intelligent payment routing method, comprising:
the routing system node receives the forwarded payment routing request;
the routing system node loads the routing rule and the weight rule cached in the routing rule caching device through a routing rule loading module;
the routing system node matches routing rules and weight rules to each payment channel through a routing rule matching module;
and the routing system node calculates the weight fraction of each payment channel according to the matched routing rule and the weight rule through the routing rule calculation module to obtain the optimal payment channel with the highest fraction.
Optionally, the method further comprises:
when the routing rule and the weight rule are updated, the updated routing rule and the weight rule are received and stored through a routing rule storage module in the routing rule management device, and are sent to the routing system node through a routing rule sending module in the routing rule management device.
Optionally, the method further comprises:
and the routing system node receives the updated routing rule and the weight rule through the routing rule receiving module and sends the updated routing rule and the weight rule to the routing rule loading module.
Optionally, the routing rule loading module receives the routing rule and the weight rule updated by the verification, and loads the routing rule and the weight rule updated to the routing rule cache device after the verification is passed.
Optionally, the routing rule includes a static routing rule factor and a dynamic routing rule factor, where the static routing rule factor includes a bank card type, a payment limit, and a payment rate, and the dynamic routing rule factor includes a channel real-time status, a channel success rate, and a channel network delay status.
Optionally, the method further comprises:
the payment routing request is received by the load balancing device and forwarded to the routing system node.
Optionally, the routing rule calculation module calculates the weight fraction of each payment channel by using an inverse wave-blue algorithm according to the matched routing rule and weight rule, and obtains the optimal payment channel with the highest fraction.
In some optional embodiments, a distributed intelligent payment routing system, comprising:
a payment routing request receiving module, configured to receive, by a routing system node, a forwarded payment routing request;
the routing rule loading module is used for loading the routing rule and the weight rule cached in the routing rule caching device by the routing system node;
the routing rule matching module is used for matching routing rules and weight rules for each payment channel by the routing system node;
and the routing rule calculation module is used for calculating the weight scores of all the payment channels by the routing system nodes according to the matched routing rules and the weight rules to obtain the optimal payment channel with the highest score.
Optionally, the method further comprises:
the routing rule storage module is used for receiving and storing the updated routing rule and the weight rule when the routing rule and the weight rule are updated;
and the routing rule sending module is used for sending the updated routing rule and the updated weight rule to the routing system node.
Optionally, the method further comprises:
and the routing rule receiving module is used for receiving the updated routing rule and the weight rule by the routing system node and sending the updated routing rule and the weight rule to the routing rule loading module.
The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects:
the payment routing request forwarded is received through the routing system node, the routing rule and the weight rule cached in the routing rule caching device are loaded through the routing rule loading module, the routing rule and the weight rule are matched for each payment channel through the routing rule matching module, the weight fraction of each payment channel is calculated through the routing rule calculating module according to the matched routing rule and the weight rule, and the optimal payment channel with the highest fraction is obtained. The invention decouples and separates the routing system and the routing rule service, reduces the technical cost and the maintenance cost of the routing system, and improves the stability, the reliability and the expandability of the system.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
FIG. 1 is a system diagram illustrating a distributed intelligent payment routing, according to an example embodiment;
FIG. 2 is a schematic flow diagram illustrating a method of distributed intelligent payment routing, according to an example embodiment;
FIG. 3 is a flow diagram illustrating a method for loading updates for routing rules in accordance with an illustrative embodiment;
FIG. 4 is a schematic diagram illustrating a routing system node in accordance with an exemplary embodiment;
fig. 5 is a schematic diagram illustrating a routing rule management apparatus according to an example embodiment.
Detailed Description
So that the manner in which the features and elements of the disclosed embodiments can be understood in detail, a more particular description of the disclosed embodiments, briefly summarized above, may be had by reference to the embodiments, some of which are illustrated in the appended drawings. In the following description of the technology, for purposes of explanation, numerous details are set forth in order to provide a thorough understanding of the disclosed embodiments. However, one or more embodiments may be practiced without these details. In other instances, well-known structures and devices may be shown in simplified form in order to simplify the drawing.
In some exemplary scenarios, a user selects a payment method at the front end, for example, the payment is completed by using a debit card of a tenderer bank, the system does not necessarily call an interface of the tenderer bank to perform payment, all the third party payment platforms such as Yibao payment, Jingdong and the like and Unionpay and the like support payment of the debit card of the tenderer bank, and a company can access different payment channels successively for the stability of the payment channels, the cost, the stability and the reliability of the different payment channels are different, which payment channel is selected at all, which payment channel is optimal, a payment route is needed to be determined, and the payment route is a module for landing the payment method to a specific payment interface.
FIG. 2 is a schematic flow diagram illustrating a method of distributed intelligent payment routing, according to an example embodiment;
in some embodiments, a distributed intelligent payment routing method comprises:
step S201, the routing system node receives the forwarded payment routing request;
specifically, each routing system node receives the payment routing request forwarded by the load balancing device through the payment routing request receiving module. The embodiment of the disclosure provides a multipoint-deployed distributed intelligent payment routing system, and a load balancing device forwards a received payment routing request to each routing system node according to a preconfigured weight.
Step S202, the routing system node loads the routing rule and the weight rule cached in the routing rule caching device through a routing rule loading module;
the routing system node comprises a payment routing request receiving module, a routing rule loading module, a routing rule matching module and a routing rule calculating module. And loading the routing rule and the weight rule cached in the routing rule caching device through a routing rule loading module.
Specifically, the routing rules and the weight rules are stored in a routing rule cache device, when a service person updates the routing rules and the weight rules, a routing rule storage module in the routing rule management device receives and stores the updated routing rules and the weight rules, a routing rule sending module in the routing rule management device sends the updated routing rules to a routing system node, the routing system node receives the updated routing rules and the weight rules through a routing rule receiving module and sends the updated routing rules and the weight rules to a routing rule loading module, the routing rule loading module receives and calibrates the updated routing rules and the weight rules, and after the calibration is passed, the routing rule loading module loads the updated routing rules into the routing rule cache device.
By the method, when the routing rule and the weight rule are updated, the routing system node can still load the updated routing rule and the weight rule from the routing rule cache device through the routing rule loading module.
The routing rules comprise static routing rule factors and dynamic routing rule factors, the static routing rule factors comprise bank card type support, payment limit and payment rate, the dynamic routing rule factors comprise channel real-time state, channel success rate and channel network delay conditions, and the weight rules comprise weight calculation formulas corresponding to the routing rule factors and weight values corresponding to the routing rule factors.
Step S203, the routing system node matches routing rules and weight rules to each payment channel through a routing rule matching module;
the routing system node further comprises a routing rule matching module, and after the routing system node is loaded to the routing rules and the weight rules, the routing system node matches the corresponding routing rules and the weight rules to the payment channels, wherein the routing rules comprise static routing rule factors and dynamic routing rule factors, the static routing rule factors comprise bank card types, payment limits and payment rates, the dynamic routing rule factors comprise channel real-time states, channel success rates and channel network delay conditions, and the weight rules comprise weight calculation formulas corresponding to the routing rule factors and weight values corresponding to the routing rule factors.
In some exemplary scenarios, after the user consumes, a payment method is selected at the front end, for example, payment is completed by using a debit card of a tenderer bank, the system does not necessarily call an interface of the tenderer bank to perform payment, all of the third party payment platforms such as Yibao payment and Jingdong and Unionpay support payment by the debit card of the tenderer bank, for example, there are three payment channels of Yibao payment, Jingdong and Unionpay, each payment channel supports different routing rule factors such as a bank card type, a payment limit, a payment rate, a channel real-time status, a channel success rate and a channel network delay condition, and different weight calculation formulas corresponding to each rule factor, and therefore, the routing rule factors and the weight calculation formulas corresponding to the routing rule factors are matched to the three payment channels by the routing rule matching module.
And step S204, calculating the weight scores of all payment channels by the routing system node through the routing rule calculation module according to the matched routing rule and the weight rule, and obtaining the optimal payment channel with the highest score.
The routing system node also comprises a routing rule calculation module, the routing rule calculation module calculates the weight scores of all payment channels according to the matched routing rules and the weight rules, and the payment channel with the highest score is used as the optimal payment channel.
Specifically, the routing rules include static routing rule factors and dynamic routing rule factors, wherein the static routing rule factors include a bank card type, a payment limit and a payment rate, the dynamic routing rule factors include a channel real-time state, a channel success rate and a channel network delay condition, the weight rules include weight calculation formulas corresponding to the routing rule factors and weight values corresponding to the routing rule factors, when the routing rule matching modules match the routing rule factors to the corresponding payment channels, the matching degrees are calculated through the weight calculation formulas corresponding to the routing rule factors, the higher the weight score is, the higher the matching degree is, and the payment channel with the highest score is used as an optimal payment channel.
When calculating the weight score, because the routing rule factor has both a static routing rule factor and a dynamic routing rule factor, and the weight of each routing rule factor dimension and the scoring calculation formula are not necessarily changed, which are very challenges to the stability and the expandability of the system.
Taking (a + b) × c as an example, the following explanation is made:
the inverse wave form of (a + b) × c is ab + c, and assuming that the computer pushes ab + c into the stack from left to right, and two elements at the top of the stack are popped up when an operator is met, operation is executed, and the obtained result is processed by the principle of stacking, the execution result of ab + c is as follows:
1) a, stacking;
2) b, stacking;
3) when an operator is met with "+", a and b are popped, the operation of a + b is executed, the result d is obtained as a + b, and then d is popped;
4) c, stacking;
5) when an operator is met, the d and the c are popped, the operation of the d and the c is executed to obtain a result e, and then the result e is popped;
through the above operations, the computer can obtain the operation result e of (a + b) × c.
By the method, the calculation of the weight score of the payment channel can be realized by utilizing an inverse wave-blue algorithm, and the expandability of the system is improved.
Optionally, after the optimal payment channel with the highest score is obtained, information of the optimal payment channel is returned to the business entity merchant.
In some exemplary scenarios, after the user consumes, a payment method is selected at the front end, for example, payment is completed by using a debit card of a tenderer bank, the system does not necessarily call an interface of the tenderer bank to perform payment, and all third party payment platforms such as Yibao payment and Jingdong and Unionpay support payment by the debit card of the tenderer bank, for example, there are three payment channels of Yibao payment, Jingdong and Unionpay, which payment channel is selected, it is necessary to calculate a score of each payment channel according to a routing rule factor matched by a routing rule matching module for each payment channel, a weight calculation formula corresponding to the routing rule factor and a weight value corresponding to the routing rule factor, and a channel with the highest score is taken as an optimal payment channel.
For example, payment rates as a routing factor;
payment of Yibao: the rate is 2.5 per thousand;
payment in the Beijing province: 5 yuan for single stroke;
and (3) Unionpay: 1 per thousand of the charge rate;
the payment amount is 1000.00 yuan;
yibao pays the commission: 2.5 yuan;
payment of handling fee in kyoto: 5.00 yuan;
and (3) paying the commission fee by the Unionpay: 1 yuan;
assuming the payment rate weight calculation formula is:
weight value [ (payment amount-commission/payment amount ];
the configuration weight value is 10;
the Yibao payment is that the weight calculation value of the routing factor is as follows: 10 [ (1000-2.5)/1000 ];
the weight calculation score of the routing factor is as follows: 10 [ (1000-5)/1000 ];
the Unionpay, this routing factor weight calculation score is: 10 [ (1000-1)/1000 ];
the success rate is used as a routing factor;
yibao payment with a success rate of 70%;
payment in the Jingdong, success rate 80%;
unionpay, success rate 90%;
the success rate weight calculation formula is assumed as follows:
weight value (success rate);
configuring a weight value to be 3;
the Yibao payment is that the weight calculation value of the routing factor is as follows: 3 × (0.7);
the weight calculation score of the routing factor is as follows: 3 x (0.8);
the union of pay, this route factor weight calculation score is: 3 × (0.9);
adding the scores corresponding to the Yibao payment to obtain a channel score corresponding to the Yibao payment channel;
adding the scores corresponding to the Jingdong payment to obtain a channel score corresponding to a Jingdong payment channel;
adding the scores corresponding to the Unionpay payment to obtain a channel score corresponding to the Unionpay channel;
and taking the channel with the maximum channel score as the optimal payment channel.
By the method, the optimal payment channel can be obtained.
Optionally, the method further comprises:
when the routing rule and the weight rule are updated, the updated routing rule and the weight rule are received and stored through a routing rule storage module in the routing rule management device, and are sent to the routing system node through a routing rule sending module in the routing rule management device.
Specifically, the routing system node and the routing rule service are decoupled and separated, a routing rule management device is designed, when a service person updates a routing rule and a weight rule, a routing rule storage module in the routing rule management device receives and stores the updated routing rule and the weight rule, a routing rule sending module in the routing rule management device sends the updated routing rule to the routing system node, the routing system node receives the updated routing rule and the weight rule through a routing rule receiving module and sends the updated routing rule and the weight rule to a routing rule loading module, the routing rule loading module receives and calibrates the updated routing rule and the weight rule, and after the calibration is passed, the routing rule loading module loads the updated routing rule into a routing rule cache device.
When the routing rule and the weight rule are updated, the routing system node can still load the updated routing rule and the weight rule from the routing rule cache device through the routing rule loading module.
By the method, the routing rule and the change of the weight rule can be dynamically received through the routing rule management device and the routing rule caching device, the technical cost and the maintenance cost of a routing system are reduced, and the stability and the reliability of the system are improved.
Optionally, the method further comprises:
and the routing system node receives the updated routing rule and the weight rule through the routing rule receiving module and sends the updated routing rule and the weight rule to the routing rule loading module.
Specifically, the routing system node further includes a routing rule receiving module, which can receive the updated routing rule and the weight rule sent by the routing rule sending module in the routing rule management device in real time, and send the updated routing rule and the weight rule to the routing rule loading module.
By the method, the routing system node can receive the updated routing rule and the weight rule in real time.
Optionally, the routing rule loading module receives the routing rule and the weight rule updated by the verification, and loads the routing rule and the weight rule updated to the routing rule cache device after the verification is passed.
Specifically, the routing system node further includes a routing rule loading module, the routing rule loading module receives and checks the updated routing rule and the weight rule, and when the check is passed, the routing rule loading module loads the updated routing rule into the routing rule caching device.
When the routing rule and the weight rule are updated, the routing system node can still load the updated routing rule and the weight rule from the routing rule cache device through the routing rule loading module.
Optionally, the routing rule includes a static routing rule factor and a dynamic routing rule factor, where the static routing rule factor includes a bank card type, a payment limit, and a payment rate, and the dynamic routing rule factor includes a channel real-time status, a channel success rate, and a channel network delay status.
Optionally, the method further comprises:
the payment routing request is received by the load balancing device and forwarded to the routing system node.
Specifically, each routing system node receives the payment routing request forwarded by the load balancing device through the payment routing request receiving module. The embodiment of the disclosure provides a multipoint-deployed distributed intelligent payment routing system, and a load balancing device forwards a received payment routing request to each routing system node according to a preconfigured weight.
Optionally, the routing rule calculation module calculates the weight fraction of each payment channel by using an inverse wave-blue algorithm according to the matched routing rule and weight rule, and obtains the optimal payment channel with the highest fraction.
Specifically, when calculating the weight score, because the routing rule factor has both a static routing rule factor and a dynamic routing rule factor, and the weight of each routing rule factor dimension and the scoring calculation formula are not necessarily changed, which are very challenges to the stability and the expandability of the system.
Taking (a + b) × c as an example, the following explanation is made:
the inverse wave form of (a + b) × c is ab + c, and assuming that the computer pushes ab + c into the stack from left to right, and two elements at the top of the stack are popped up when an operator is met, operation is executed, and the obtained result is processed by the principle of stacking, the execution result of ab + c is as follows:
1) a, stacking;
2) b, stacking;
3) when an operator is met with "+", a and b are popped, the operation of a + b is executed, the result d is obtained as a + b, and then d is popped;
4) c, stacking;
5) when an operator is met, the d and the c are popped, the operation of the d and the c is executed to obtain a result e, and then the result e is popped;
through the above operations, the computer can obtain the operation result e of (a + b) × c.
By the method, the calculation of the weight score of the payment channel can be realized by utilizing an inverse wave-blue algorithm, and the expandability of the system is improved.
FIG. 3 is a flow diagram illustrating a method for loading updates for routing rules in accordance with an illustrative embodiment;
as shown in fig. 3, when the routing rule is updated, the method includes:
step S301, the routing rule storage module receives and stores the updated routing rule and the weight rule, and sends the updated routing rule and the weight rule to the routing rule sending module.
Step S302, the updated routing rule and the weight rule are sent to the routing system node through the routing rule sending module.
Step S303, the routing system node receives the updated routing rule and the weight rule through the routing rule receiving module, and sends the updated routing rule and the weight rule to the routing rule loading module.
Step S304, the routing rule loading module receives and checks the updated routing rule and the weight rule, and loads the updated routing rule and the weight rule to the routing rule cache device after the checking is passed.
In some optional embodiments, a distributed intelligent payment routing system, comprising:
a payment routing request receiving module, configured to receive, by a routing system node, a forwarded payment routing request;
the routing rule loading module is used for loading the routing rule and the weight rule cached in the routing rule caching device by the routing system node;
the routing rule matching module is used for matching routing rules and weight rules for each payment channel by the routing system node;
and the routing rule calculation module is used for calculating the weight scores of all the payment channels by the routing system nodes according to the matched routing rules and the weight rules to obtain the optimal payment channel with the highest score.
Optionally, the method further comprises:
the routing rule storage module is used for receiving and storing the updated routing rule and the weight rule when the routing rule and the weight rule are updated;
and the routing rule sending module is used for sending the updated routing rule and the updated weight rule to the routing system node.
Optionally, the method further comprises:
and the routing rule receiving module is used for receiving the updated routing rule and the weight rule by the routing system node and sending the updated routing rule and the weight rule to the routing rule loading module.
FIG. 1 is a system diagram illustrating a distributed intelligent payment routing, according to an example embodiment;
as shown in fig. 1, a distributed intelligent payment routing system includes:
and the S100 load balancing device is used for forwarding the payment routing request to the S301 payment routing request receiving module in the S300 routing system node.
And S200, a routing rule caching device for caching the routing rule and the weight rule.
The S300 routing system node comprises an S301 payment routing request receiving module, an S302 routing rule receiving module, an S303 routing rule loading module, an S304 routing rule matching module and an S305 routing rule calculating module.
The S400 routing rule management device comprises an S401 routing rule storage module and an S402 routing rule sending module.
FIG. 4 is a schematic diagram illustrating a routing system node in accordance with an exemplary embodiment;
as shown in fig. 4, the S300 routing system node includes:
the payment routing request receiving module comprises an S301 payment routing request receiving module, an S302 routing rule receiving module, an S303 routing rule loading module, an S304 routing rule matching module and an S305 routing rule calculating module.
Fig. 5 is a schematic diagram illustrating a routing rule management apparatus according to an example embodiment.
As shown in fig. 5, the S400 routing rule management device includes an S401 routing rule storage module and an S402 routing rule transmission module.
Those of skill in the art would appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software may depend upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the disclosed embodiments. It can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the apparatus and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the embodiments disclosed herein, the disclosed methods, products (including but not limited to devices, apparatuses, etc.) may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, a division of a unit may be merely a division of a logical function, and an actual implementation may have another division, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form. Units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to implement the present embodiment. In addition, functional units in the embodiments of the present disclosure may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). In some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. Each block of the block diagrams and/or flowchart illustrations, and combinations of blocks in the block diagrams and/or flowchart illustrations, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The above description is only for the preferred embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered within the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A distributed intelligent payment routing method, comprising:
the routing system node receives the forwarded payment routing request;
the routing system node loads the routing rule and the weight rule cached in the routing rule caching device through a routing rule loading module;
the routing system node matches the routing rule and the weight rule to each payment channel through a routing rule matching module;
and the routing system node calculates the weight fraction of each payment channel according to the matched routing rule and the weight rule through the routing rule calculation module to obtain the optimal payment channel with the highest fraction.
2. The method of claim 1, further comprising:
when the routing rule and the weight rule are updated, the updated routing rule and the weight rule are received and stored through a routing rule storage module in a routing rule management device, and are sent to the routing system node through a routing rule sending module in the routing rule management device.
3. The method of claim 1, further comprising:
and the routing system node receives the updated routing rule and the weight rule through a routing rule receiving module and sends the updated routing rule and the weight rule to the routing rule loading module.
4. The method according to claim 2 or 3, wherein the updated routing rule and the weight rule are checked and received by a routing rule loading module, and when the check is passed, the updated routing rule and the weight rule are loaded to the routing rule caching device.
5. The method of claim 1, wherein the routing rules include static routing rule factors and dynamic routing rule factors, wherein static routing rule factors include bank card type support, payment limit, and payment rate, and wherein dynamic routing rule factors include channel real-time status, channel success rate, and channel network delay status.
6. The method of claim 1, further comprising:
and receiving the payment routing request through a load balancing device, and forwarding the payment routing request to the routing system node.
7. The method as claimed in claim 1, wherein the routing rule calculation module calculates the weight score of each payment channel by using an inverse wave-blue algorithm according to the matched routing rule and weight rule, and obtains the optimal payment channel with the highest score.
8. A distributed intelligent payment routing system, comprising:
a payment routing request receiving module, configured to receive, by a routing system node, a forwarded payment routing request;
the routing rule loading module is used for loading the routing rule and the weight rule cached in the routing rule caching device by the routing system node;
the routing rule matching module is used for matching the routing rule and the weight rule for each payment channel by the routing system node;
and the routing rule calculation module is used for calculating the weight scores of all the payment channels by the routing system nodes according to the matched routing rules and the weight rules to obtain the optimal payment channel with the highest score.
9. The system of claim 8, further comprising:
a routing rule storage module, configured to receive and store the updated routing rule and weight rule when the routing rule and the weight rule are updated;
and the routing rule sending module is used for sending the updated routing rule and the weight rule to the routing system node.
10. The system of claim 9, further comprising:
and the routing rule receiving module is used for receiving the updated routing rule and the weight rule by the routing system node and sending the updated routing rule and the weight rule to the routing rule loading module.
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| CN201911243743.0A CN111144854A (en) | 2019-12-06 | 2019-12-06 | Distributed intelligent payment routing method and system |
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