CN113850661A

CN113850661A - Payment routing method, payment routing device, computer equipment and storage medium

Info

Publication number: CN113850661A
Application number: CN202110752566.XA
Authority: CN
Inventors: 张民遐; 石海波; 杨红卫
Original assignee: Sichuan Gaodeng Qifu Technology Co ltd
Current assignee: Sichuan Gaodeng Qifu Technology Co ltd
Priority date: 2021-07-02
Filing date: 2021-07-02
Publication date: 2021-12-28

Abstract

The application relates to a payment routing method, a payment routing device, a computer device and a storage medium. The method comprises the following steps: when a pending payment request carrying a payment amount is acquired, determining the number of channels corresponding to a plurality of payment channels, a payment rate corresponding to each payment channel, a payment queue request number and a peer payment parameter, and generating a payment routing dictionary to determine the current priority corresponding to each payment channel, so that a target payment channel matched with the payment request can be rapidly determined from the plurality of payment channels, and the payment request is routed to target equipment corresponding to the target payment channel to trigger the target equipment to execute the payment operation. The target payment channel is the optimal payment channel determined by integrating a plurality of dimensions such as payment cost and account arrival time, payment transfer is achieved through the target payment channel, the payment amount can be paid in each payment platform in a second-level account arrival mode, and then the payment efficiency is improved.

Description

Payment routing method, payment routing device, computer equipment and storage medium

Technical Field

The present application relates to the field of payment technologies, and in particular, to a payment routing method, apparatus, computer device, and storage medium.

Background

With the development of payment technology, the payment channels are diversified, and payment and settlement can be realized to the traditional bank card through internet payment, mobile payment and third-party payment, for example, payment is carried out to the bank card through bank-enterprise interconnection, payment is carried out to a credit agency through bank-enterprise interconnection, payment is carried out to the bank card by a payment bank, payment is carried out to the bank card through WeChat payment, and settlement is carried out.

Because the number of the money-making channels such as nationwide big and small banks, credit unions, third-party payment platforms and the like is large, when different money-making channels are used for making money, the money-making time and the money-making rate (namely, the channel rate) are not equal, namely, the requirement of second-level money-making of each money-making channel cannot be met, and the money-making efficiency is low.

Disclosure of Invention

In view of the above, it is necessary to provide a payment routing method, apparatus, computer device and storage medium for solving the above technical problems.

A payment routing method, the method comprising:

acquiring a to-be-processed money making request; the money printing request carries a money printing amount; determining the channel quantity corresponding to a plurality of payment channels, the payment rate corresponding to each payment channel and the payment queue request number corresponding to each payment channel; determining the same-row money-making parameters respectively corresponding to each money-making channel based on a payment platform corresponding to the initiator of the money-making request; generating a payment routing dictionary corresponding to the money making request according to the money making amount, the channel quantity, the money making rate, the money making queue request number and the money making parameter of the same row; the payment routing dictionary defines the current priority corresponding to each money-making channel; determining a target payment channel matched with the payment request from the plurality of payment channels based on the current priority level respectively corresponding to each payment channel in the payment routing dictionary; and routing the money printing request to target equipment corresponding to the target money printing channel so as to trigger the target equipment to execute the money printing operation corresponding to the money printing request.

In one embodiment, generating a payment routing dictionary corresponding to the money-making request according to the money-making amount, the channel number, the money-making rate, the number of the money-making queue requests, and the peer money-making parameter includes:

for each money making channel, multiplying the corresponding money making rate by the money making amount to obtain a pre-payment fee corresponding to each money making channel; for each money printing channel, integrating the corresponding pre-money printing fee, the request number of the money printing queue and the money printing parameters of the same row to obtain a money printing numerical value corresponding to the corresponding money printing channel; dividing the money making numerical value corresponding to each money making channel by the number of the channel respectively to obtain the money making weight corresponding to each money making channel respectively; and based on the payment weights respectively corresponding to the payment channels, sequencing the payment weights from large to small, and generating a payment routing dictionary corresponding to the payment request, wherein the priority corresponding to the maximum payment weight is highest.

In one embodiment, determining a target payment channel matching the payment request from the plurality of payment channels based on the current priority corresponding to each payment channel in the payment routing dictionary includes:

determining the maximum payment weight in the payment weights based on the payment routing dictionary; the priority corresponding to the maximum money-making weight is highest; and taking the money printing channel corresponding to the maximum money printing weight as a target money printing channel matched with the money printing request.

In one embodiment, the target device performs a money transfer operation corresponding to the money transfer request, including:

the target equipment stores the received money making request to a corresponding target money making queue; the target equipment sequentially executes corresponding money printing operation according to the sequence of the money printing requests stored in the target money printing queue; and after the target equipment completes the money printing operation corresponding to the money printing request initiated by the initiator, the target equipment feeds back payment information representing successful payment.

In one embodiment, the method further comprises:

when a feedback result of unsuccessful money printing representation fed back by the target equipment is received, judging whether the money printing request can transfer to a next money printing channel or not; if the money printing request can transfer the next money printing channel, determining the next money printing channel corresponding to the money printing request based on the payment routing dictionary; and routing the money printing request to a next target device corresponding to the next money printing channel so as to trigger the next target device to execute the money printing operation corresponding to the money printing request.

In one embodiment, if the typing request can be circulated to the next typing channel, determining the next typing channel corresponding to the typing request based on the routing dictionary includes:

and if the money printing request can transfer the next money printing channel, acquiring the next money printing channel with the priority behind the target money printing channel according to the payment routing dictionary.

In one embodiment, the method further comprises:

and if the money printing request cannot be circulated in the next money printing channel, sending a feedback result representing unsuccessful money printing to the initiator of the money printing request.

A payment routing apparatus, the apparatus comprising:

the acquisition module is used for acquiring the to-be-processed money making request; the money printing request carries a money printing amount;

the first determining module is used for determining the channel quantity corresponding to a plurality of payment channels, the payment rate corresponding to each payment channel and the payment queue request number corresponding to each payment channel;

the second determining module is used for determining the same-row money-making parameters respectively corresponding to each money-making channel based on the payment platform corresponding to the initiator of the money-making request;

the generating module is used for generating a payment routing dictionary corresponding to the money making request according to the money making amount, the channel quantity, the money making rate, the money making queue request number and the same-row money making parameter; the payment routing dictionary defines the current priority corresponding to each money-making channel;

the third determining module is used for determining a target money making channel matched with the money making request from the plurality of money making channels based on the current priority corresponding to each money making channel in the payment routing dictionary;

and the routing module is used for routing the money printing request to target equipment corresponding to the target money printing channel so as to trigger the target equipment to execute money printing operation corresponding to the money printing request.

A computer device comprising a memory storing a computer program and a processor implementing a payment routing method as claimed in any one of the above when the computer program is executed.

A computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a payment routing method as in any one of the above.

According to the payment routing method, the payment routing device, the computer equipment and the storage medium, when a pending money-making request carrying a money-making amount is obtained, the channel quantity corresponding to a plurality of money-making channels, the money-making rate corresponding to each money-making channel and the money-making queue request quantity corresponding to each money-making channel are determined, and the in-line money-making parameters corresponding to each money-making channel are determined based on a payment platform corresponding to an initiator of the money-making request, so that a payment routing dictionary corresponding to the money-making request can be generated according to the money-making amount, the channel quantity, the money-making rate, the money-making queue request quantity and the in-line money-making parameters. The payment routing dictionary defines the current priority corresponding to each payment channel. And then based on the current priority level corresponding to each money printing channel in the payment routing dictionary, a target money printing channel matched with the money printing request can be rapidly determined from the plurality of money printing channels, and the money printing request is routed to the target equipment corresponding to the target money printing channel so as to trigger the target equipment to execute the money printing operation corresponding to the money printing request. The target payment channel is the optimal payment channel determined by integrating a plurality of dimensions such as payment cost and account arrival time, payment transfer is achieved through the target payment channel, the payment amount can be paid in each payment platform in a second-level account arrival mode, and then the payment efficiency is improved. In addition, compared with a mode of determining a target money-making channel through a single money-making channel, the method and the system can improve the success rate of money-making by comprehensively considering a plurality of money-making channels and intelligently selecting the preferred target money-making channel.

Drawings

FIG. 1 is a diagram of an application environment for a payment routing method in one embodiment;

FIG. 2 is a flow diagram that illustrates a payment routing method, according to one embodiment;

FIG. 3 is a flow diagram that illustrates the steps of generating a payment routing dictionary in one embodiment;

FIG. 4 is a schematic flow chart diagram of a payment routing method in another embodiment;

FIG. 5 is a schematic flow chart diagram of a payment routing method in another embodiment;

FIG. 6 is a schematic flow chart diagram illustrating a payment routing method in accordance with another embodiment;

FIG. 7 is a block diagram of the structure of a payment routing device in one embodiment;

FIG. 8 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The payment routing method provided by the application can be applied to the application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network, and the server 104 communicates with the target device 106 via the network. A user can trigger a money-making request through the terminal 102, the terminal 102 sends the money-making request to be processed to the server 104, and the server 104 acquires the money-making request to be processed; the server 104 determines the channel number corresponding to a plurality of payment channels, the payment rate corresponding to each payment channel, and the payment queue request number corresponding to each payment channel; the server 104 determines the same-row money-making parameters respectively corresponding to each money-making channel based on the payment platform corresponding to the initiator of the money-making request; the server 104 generates a payment routing dictionary corresponding to the making request according to the making amount, the channel quantity, the making rate, the making queue request number and the same-row making parameter in the making request; server 104 determines a target typing channel from the plurality of typing channels that matches the typing request based on the payment routing dictionary; the server 104 routes the payment request to a target device 106 corresponding to the target payment channel to trigger the target device to perform a payment operation corresponding to the payment request. The terminal 102 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, the server 104 may be implemented by an independent server or a server cluster formed by a plurality of servers, and the target device 106 may be implemented by an independent server or a server cluster formed by a plurality of servers.

In one embodiment, as shown in fig. 2, a payment routing method is provided, which is described by taking the method as an example applied to the server in fig. 1, and comprises the following steps:

step 202, obtaining a to-be-processed money making request; the money transfer request carries the money transfer amount.

Specifically, the server obtains a pending payment request from a message queue storing a plurality of payment requests, wherein the payment request is used for a payment request initiator to deposit a payment amount on an account related to a collection user. For example, a certain live broadcast platform provides a plurality of accounts such as bank card numbers, pay treasures, WeChat account numbers and the like of 100 anchor broadcasts in the live broadcast platform to a server, if the live broadcast platform wants to make money for live broadcast for half a year, the server obtains to-be-processed money making requests corresponding to the live broadcast platform from a message queue storing money making requests of a plurality of initiators, namely, the live broadcast cost for half a year for each anchor broadcast.

For example, the Message Queue may be open source middleware such as a RabbitMQ (rabbitmessage Queue), a kafka (high throughput distributed publish-subscribe Message system), and the like, and can solve problems such as inter-system coupling, asynchronous Message sending, traffic cut, and the like.

Step 204, determining the channel quantity corresponding to a plurality of payment channels, the payment rate corresponding to each payment channel, and the payment queue request number corresponding to each payment channel.

The money channel realizes a channel for a money request initiator to deposit money to a collection user. The payment channel can be used for bank payment (bank payment comprises the same bank payment and bank-crossing payment), third-party payment platforms (such as a payment bank, a WeChat and the like), local credit society payment and the like. The charging rate (i.e. the channel rate) is a commission charge corresponding to each charging channel, for example, the charging rate for charging the same bank is zero, and the charging rate for charging through the payment bank is one thousandth of the charging amount. The number of the requests of the money printing queue is the number of the money printing requests queued in the money printing queue corresponding to each money printing channel.

Specifically, after receiving the payment request, the server automatically obtains the channel number corresponding to the plurality of payment channels, the payment rate corresponding to each payment channel, and the payment queue request number corresponding to each payment channel based on the payment request. In the method, a plurality of initiators make money at the same time, and the server may spend processing time on the order of seconds or processing time on the order of minutes in the process of processing related to the making request, so that the queuing of the making request may occur in one or more making channels, that is, each making channel has a corresponding making queue request number, and the making queue request number may be one or more.

Step 206, determining the same-bank payment parameters respectively corresponding to each payment channel based on the payment platform corresponding to the initiator of the payment request.

The peer payment parameter is a constant for representing peer payment, wherein the peer payment is that an initiator and a payee of the payment request are paid by the same bank. The payment platform corresponding to the initiator of the money-printing request can be a bank payment platform, a payment treasure payment platform, a WeChat payment platform and the like. When the two parties of the money making adopt the same bank to make money, the money making parameter of the same bank is not zero, and when the two parties of the money making adopt the cross-bank money making or the cross-platform money making, the money making parameter of the same bank is zero.

Specifically, the server sets the same-row payment parameter corresponding to the payment channel inconsistent with the payment platform to zero and sets the same-row payment parameter corresponding to the payment channel consistent with the payment platform to a corresponding parameter based on the payment platform corresponding to the initiator of the payment request. For example, a certain live broadcast platform uses a payment platform of bank a to make money for an account of each anchor, the server determines that the payment platform corresponding to the live broadcast platform is bank a, sets a peer-to-peer money-making parameter H corresponding to the bank a as 100 in a money-making channel, and sets a peer-to-peer money-making parameter H corresponding to other money-making channels (such as a payment bank money-making channel) as 0.

Step 208, generating a payment routing dictionary corresponding to the money making request according to the money making amount, the channel number, the money making rate, the money making queue request number and the same-row money making parameter; the payment routing dictionary defines the current priority corresponding to each money printing channel.

And the payment routing dictionary comprises a current priority sequence consisting of the priorities of all the money-making channels. The payment routing dictionary can integrate a plurality of payment channels, wherein a collection account number of a collection party is bound in each payment channel.

Specifically, the server determines the current priority corresponding to each payment channel according to the payment amount, the channel number, the payment rate corresponding to each payment channel, the payment queue request number corresponding to each payment channel and the same-row payment parameters corresponding to each payment channel in the payment request, and generates a payment routing dictionary corresponding to the payment request based on the current priority of each payment channel. For example, a certain live broadcast platform needs to realize the payment for each main broadcast through an A bank, the payment amount is M, the server determines the number of payment channels, the payment rate of each payment channel, the current queue request number of each payment channel and the co-line payment parameter of each payment channel according to the first payment platform bound by each main broadcast account, the A bank corresponding to the payer, determines the current priority corresponding to each payment channel, the priority can be evaluated through the optimal, excellent, good and general evaluations, the server performs the arrangement according to the optimal, excellent, good and general evaluations to obtain an inverted routing list, and the server generates a payment routing dictionary corresponding to the payment request based on the inverted routing list. Each current priority level may correspond to one money-making channel or a plurality of money-making channels.

Step 210, determining a target payment channel matched with the payment request from the plurality of payment channels based on the current priority level respectively corresponding to each payment channel in the payment routing dictionary.

Specifically, the server obtains a reverse routing list including current priority arrangements of the payment channels based on current priorities corresponding to the payment channels in the payment routing dictionary, and determines a target payment channel matched with the payment request.

In one embodiment, the server performs sorting according to current priorities respectively corresponding to the payment channels to obtain a reverse routing list comprising current priorities of the payment channels, wherein the current priority is the best corresponding to one payment channel, and the server selects the payment channel with the current priority being the best corresponding to the reverse routing list as a target payment channel.

In one embodiment, the server performs ranking according to current priorities respectively corresponding to the payment channels to obtain a reverse routing list comprising current priorities of the payment channels, wherein the current priorities are optimal and correspond to a plurality of payment channels, and the server randomly selects one of the payment channels with the optimal current priority as a target payment channel.

In one embodiment, the server performs ranking according to current priorities respectively corresponding to the payment channels to obtain a reverse routing list comprising current priorities of the payment channels, wherein the current priorities are optimal and correspond to a plurality of payment channels, and the server randomly selects one of the payment channels with optimal current priority and optimal current priority as a target payment channel.

It can be understood that the server may also adopt other selection manners to select a target money making channel from the plurality of money making channels based on the reverse routing list arranged according to the current priority of each money making channel, which is not limited in this embodiment of the present application.

Step 212, the payment request is routed to a target device corresponding to the target payment channel, so as to trigger the target device to execute a payment operation corresponding to the payment request.

The target device is a collection platform corresponding to a collector, and the target device can be a background server of each bank, a background server of a payer and a background server of a credit agency.

Specifically, the server routes the to-be-processed money-making request to the target device corresponding to the target money-making channel based on the determined target money-making channel, and the target device executes money-making operation corresponding to the money-making request according to the obtained to-be-processed money-making request. For example, the server determines that the target money-making channel is a bank-a money-making channel, and according to an Application Programming Interface (API) provided by the bank-a money-making channel, the server routes a money-making request to be processed to a background target device corresponding to the bank-a money-making channel in an API manner for interconnecting the bank-a money-making channels, and the background target device implements a single or batch money-making operation.

According to the payment routing method, when a pending payment request carrying a payment amount is acquired, the channel quantity corresponding to a plurality of payment channels, the payment rate corresponding to each payment channel and the payment queue request quantity corresponding to each payment channel are determined, and the same-row payment parameters corresponding to each payment channel are determined based on a payment platform corresponding to an initiator of the payment request, so that a payment routing dictionary corresponding to the payment request can be generated according to the payment amount, the channel quantity, the payment rate, the payment queue request quantity and the same-row payment parameters. The payment routing dictionary defines the current priority corresponding to each payment channel. And then based on the current priority level corresponding to each money printing channel in the payment routing dictionary, a target money printing channel matched with the money printing request can be rapidly determined from the plurality of money printing channels, and the money printing request is routed to the target equipment corresponding to the target money printing channel so as to trigger the target equipment to execute the money printing operation corresponding to the money printing request. The target payment channel is the optimal payment channel determined by integrating a plurality of dimensions such as payment cost and account arrival time, payment transfer is achieved through the target payment channel, the payment amount can be paid in each payment platform in a second-level account arrival mode, and then the payment efficiency is improved. In addition, compared with a mode of determining a target money-making channel through a single money-making channel, the method and the system can improve the success rate of money-making by comprehensively considering a plurality of money-making channels and intelligently selecting the preferred target money-making channel.

In one embodiment, as shown in fig. 3, generating a payment routing dictionary corresponding to the money transfer request according to the money transfer amount, the channel number, the money transfer rate, the money transfer queue request number, and the peer money transfer parameter includes:

step 302, for each money-making channel, multiplying the corresponding money-making rate by the money-making amount to obtain the pre-payment fee corresponding to each money-making channel.

Specifically, the server multiplies the payment rate corresponding to each payment channel by the payment amount to obtain the pre-payment fee corresponding to each payment channel based on the payment amount in the payment request. For example, a certain enterprise needs to fund a money-buying amount M to a payee, wherein the money-buying rate of the same bank is not collected, the money-buying payment rate of the bank is 0.1% of the money-buying amount, the money-buying WeChat rate of the WeChat is 0.1% of the money-buying amount, the money-buying rate of the certain bank is 0.15% of the money-buying amount across rows, the server calculates the money-buying payment fee M · 0.1%, the money-buying fee M · 0.1% of the WeChat, and the money-buying fee M · 0.15% of the certain bank across rows.

And step 304, for each money making channel, integrating the corresponding pre-payment fee, the payment queue request number and the same-row payment parameter to obtain a payment value corresponding to the corresponding money making channel.

Specifically, the server obtains the money printing numerical value corresponding to the corresponding money printing channel by adopting an addition summation or weighted summation method based on the pre-money printing fee, the money printing queue request number and the money printing parameters in the same row corresponding to each money printing channel.

For example, if the server performs the money transfer by acquiring a cross-row money transfer channel, the co-row money transfer parameter H is 0, the pre-transfer fee is M · 0.15% (M is the money transfer amount), and the number of requests of the money transfer queue is P, the money transfer value N corresponding to the money transfer channel may be H + M · 0.15% + P. Or the server sets the calculation weights of the pre-payment fee, the payment queue request number and the co-line payment parameter respectively, and obtains the calculation weight of the pre-payment fee as a, the calculation weight of the payment queue request number as b and the calculation weight of the co-line payment parameter as c, so that the payment value N corresponding to the payment channel can be H.c + M.a.0.15% + P.b. It should be noted that the calculation of the weight is only used for the step of calculating the value of the bet.

And step 306, dividing the money making numerical values corresponding to the money making channels by the number of the channels respectively to obtain the money making weights corresponding to the money making channels respectively.

Specifically, the server divides the payment value obtained by each payment channel by the channel number based on the channel number of the payment channel to obtain the payment weight corresponding to each payment channel. For example, the server obtains the payment number value N and the payment number N corresponding to a certain cross-bank payment channel by adding and summing, and then the computer obtains the payment weight W corresponding to the cross-bank payment channel, namely (H + M · 0.15% + P)/N. Or the server obtains the payment number value N and the payment number corresponding to a certain cross-row payment channel through weighted summation, and obtains the payment weight W corresponding to the payment channel, namely (H · c + M · a · 0.15% + P · b)/N.

And 308, sequencing the payment weights from large to small based on the payment weights respectively corresponding to the payment channels, and generating a payment routing dictionary corresponding to the payment request, wherein the priority corresponding to the maximum payment weight is highest.

Specifically, the server calculates and obtains the payment weights corresponding to the payment channels, the payment weights are ranked from large to small based on the payment weights, the ranking of the payment weights is matched with the priority, a reverse routing list is obtained, the highest payment weight corresponds to the optimal payment channel, the lowest payment weight corresponds to the inferior payment channel, and the server generates a payment routing dictionary corresponding to the payment request based on the reverse routing list. For example, a certain enterprise needs to complete money printing through bank a, the money printing amount is 1000 yuan, the server obtains that the payment bank payment queue has 100 current queue request numbers, the wechat payment queue has 50 current queue request numbers, and the bank payment queue on row a has 0 current queue request numbers, and the server dynamically generates a payment routing dictionary for the current payment request in real time, which is specifically shown in table 1 below:

line A	(1000*1.5+0+100)/3＝533.33
		Payment device	(1000*1+100+0)/3＝366.66
WeChat	(1000*1+50+0)/3＝350

The server takes the payment channel of the line A as an optimal payment channel; the payment channel of the payment treasure is used as a superior payment channel by the server; the payment weight of the WeChat is the lowest, and the server takes the payment channel of the WeChat as a good payment channel.

In the embodiment, for each money-making channel, the corresponding money-making rate is multiplied by the money-making amount to obtain the pre-payment fee corresponding to each money-making channel; for each money making channel, integrating corresponding pre-money making fee, the number of the money making queue requests, the money making parameters in the same row and the number of the channels to obtain money making weights respectively corresponding to the money making channels; and sequencing the payment weights from large to small to generate a payment routing dictionary corresponding to the payment request. Therefore, the payment weights of the payment channels are sequenced in combination with the payment rates of the payment channels, and the payment weights are used as the selection standard of the target payment channel, so that the cost of inter-row payment and inter-platform payment can be reduced.

In one embodiment, determining a target money printing channel matched with the money printing request from the plurality of money printing channels based on the current priority level respectively corresponding to each money printing channel in the payment routing dictionary comprises: determining the maximum payment weight in the payment weights based on the payment routing dictionary; the priority corresponding to the maximum money-making weight is highest; and taking the money printing channel corresponding to the maximum money printing weight as a target money printing channel matched with the money printing request.

Specifically, the server determines the maximum payment weight corresponding to each payment weight based on the reverse routing list in the payment routing dictionary, and sets the payment channel corresponding to the maximum payment weight as a target payment channel matched with the payment request. The payment weighting of each payment channel can reflect the actual payment situation of each current payment channel, for example, when the payment channel makes money for the same line, the request number of the payment queue is the minimum, and the payment rate is the lowest, the payment weighting corresponding to the payment channel is the highest, and the server automatically determines that the payment channel is the target payment channel.

In the embodiment, according to the maximum payment weight, the payment channel corresponding to the maximum payment weight is used as the target payment channel, so that the target payment channel matched with the payment request is intelligently selected by combining a plurality of payment channels and considering the payment condition corresponding to the payment channel, and the success rate of payment is ensured.

In one embodiment, the server sets a timing task mechanism, namely the server scans the queuing conditions of each money printing channel at regular intervals, when the server acquires that the money printing weight of the first money printing channel is the maximum money printing weight, the server scans and obtains a large number of requests of the money printing queue of the first money printing channel through the timing task mechanism, and the second money printing channel and the third money printing channel are in idle states, so that the money printing channels are reasonably distributed.

In this embodiment, the server can avoid backpiling the money-making requests to the money-making channels with a large number of money-making queue requests through a timing task mechanism, so as to ensure that money making can be completed in a short time, and further ensure that data can be distributed in time under the condition of a large number of money-making requests.

In one embodiment, the target device performs a payment operation corresponding to the payment request, including: the target equipment stores the received money making request to a corresponding target money making queue; the target equipment sequentially executes corresponding money printing operation according to the sequence of the money printing requests stored in the target money printing queue; and after the target equipment completes the money printing operation corresponding to the money printing request initiated by the initiator, the target equipment feeds back payment information representing successful payment.

Specifically, the server routes the payment request to a target device corresponding to a target payment channel, triggers the target device to receive the payment request, positions the obtained payment request to a target payment queue, and stores the payment request to the corresponding payment queue; the target equipment sequentially subscribes to the money making requests through the money making services corresponding to the target queue according to the sequence of the money making requests in the target money making queue, and after receiving the money making requests, the money making services execute corresponding money making operations; and the target equipment executes a money printing operation corresponding to the money printing request through the money printing service, and when the money printing operation represents that the payment is successful, the target equipment feeds back payment information representing that the payment is successful to the server.

In this embodiment, the target device stores the received money-making request to a corresponding target money-making queue; the target equipment executes corresponding money printing operation according to the sequence of the money printing requests stored in the target money printing queue; after the target device completes the money printing operation corresponding to the money printing request initiated by the initiator, the target device feeds back payment information of successful standard payment, and the server can obtain a money printing result, so that countermeasures can be made in time based on the money printing result, and the current payment flow can be completely recorded.

In one embodiment, as shown in fig. 4, the method further comprises:

step 402, when a feedback result of unsuccessful money transfer representation fed back by the target device is received, judging whether the money transfer request can be circulated in the next money transfer channel.

Wherein the flow of the next payment channel is a process of routing the payment request from the current payment channel to the next payment channel.

Specifically, when the result of the money-making operation performed by the target device is that the money-making operation is unsuccessful, the target device sends a feedback result indicating that the money-making operation is unsuccessful to the server, and when the server receives the feedback result indicating that the money-making operation is unsuccessful, the server judges whether the money-making request can be routed to a next money-making channel based on the money-making weight corresponding to the target money-making channel.

Step 404, if the money printing request can transfer the next money printing channel, determining the next money printing channel corresponding to the money printing request based on the payment routing dictionary.

Specifically, if the server determines that the money transfer request can be transferred to the next money transfer channel based on the money transfer weight corresponding to the target money transfer channel, the server determines the next money transfer channel corresponding to the money transfer request based on the reverse routing list of the payment routing dictionary and according to the priority of each money transfer channel except the money transfer weight corresponding to the target money transfer channel. For example, each of the money printing channels in the current payment routing dictionary is ranked as a money printing channel for a pay bank, a WeChat money printing channel, an bank A money printing channel (the money printing channel is a cross-bank money printing channel), and a money printing channel for a place credit agency. If the server determines that the priority of the payment routing channel (target payment channel) is not the lowest, the server automatically selects a second payment channel in the payment routing dictionary to finish the payment service, namely, the WeChat payment channel is determined to be the next payment channel.

Step 406, routing the payment request to a next target device corresponding to the next payment channel to trigger the next target device to execute a payment operation corresponding to the payment request.

The next target device corresponding to the next payment channel is another collection platform corresponding to the collection party, and account numbers of a plurality of collection platforms of the collection party are stored in the server.

Specifically, the server routes the pending payment request to a next target device corresponding to a next payment channel, and the next target device executes a payment operation corresponding to the payment request according to the acquired pending payment request. For example, the server determines that the next money-making channel is a B-bank money-making channel, and according to an API (Application Programming Interface) provided by the B-bank money-making channel, the server routes the money-making request to be processed to a background target device corresponding to the B-bank money-making channel in an API manner interconnecting the bank enterprises, and the background target device implements a single-time or batch money-making operation.

In this embodiment, when it is determined that the next money transfer channel can be performed by determining that the money transfer request is transferred, the next money transfer channel corresponding to the money transfer request is determined based on the payment routing dictionary, and the money transfer request is routed to the next target device corresponding to the next money transfer channel, so as to trigger the next target device to perform the money transfer operation corresponding to the money transfer request. Therefore, when the money printing operation corresponding to the target money printing channel fails, reasonable distribution can be automatically carried out according to the payment routing dictionary, the automatic matching money printing operation is realized, and manual intervention is greatly reduced. Meanwhile, compared with the traditional single money making channel, a plurality of money making channels can be obtained through the payment routing dictionary, and the money making requirements of the small public are met.

To facilitate a clearer understanding of the technical solutions of the present application, a more detailed embodiment is provided below, as shown in fig. 5, when a server receives a payment request corresponding To an initiator of the payment request, the server obtains, based on a payment amount in the payment request, a channel number corresponding To a plurality of payment channels, a payment rate corresponding To each of the payment channels, a payment queue request number corresponding To each of the payment channels, and a peer-To-peer payment parameter corresponding To each of the payment channels, determines a payment routing dictionary, obtains a To-be-processed payment request from a current message queue including a plurality of payment requests, where the server serves a plurality of To B enterprises (mainly, enterprises that obtain profits by using enterprises or organizations as clients and performing vehicle-making cooperation through transactions of certain products/projects), and a large number of orders for making money are provided, and the server reads the orders paid from the enterprise to send payment instructions to the bank enterprise in batches at regular intervals through the timing task. The server determines a target money making channel matched with the money making request based on a payment treasure money making channel and bank-enterprise interconnection (bank money making channel) of the payment routing dictionary, so that the money making request is routed to target equipment corresponding to the target money making channel to carry out money making operation.

When the target money printing channel is closed, the server can automatically select a next money printing channel according to the payment routing dictionary, route the money printing request to a new server corresponding to the new money printing channel, relocate the money printing request to a money printing queue corresponding to the new money printing channel, and conduct money printing operation through subscribing the money printing request by the new money printing service.

In this embodiment, different channels of making money can be selected automatically and reasonably through the payment routing dictionary, second-level account arrival in each environment of making money is realized, the efficiency of making money is improved, and the demand of making money of each user is met.

In one embodiment, if the typing request can be circulated to the next typing channel, determining the next typing channel corresponding to the typing request based on the payment routing dictionary includes: and if the money printing request can transfer the next money printing channel, acquiring the next money printing channel with the priority behind the target money printing channel according to the payment routing dictionary.

Specifically, if the server determines that the money-making request can transfer to the next money-making channel based on the money-making weight corresponding to the target money-making channel, the server determines the next money-making channel with the priority behind the target money-making channel according to the priority of each money-making channel based on the reverse routing list of the payment routing dictionary, and the server routes the money-making request to the next target device corresponding to the next money-making channel. For example, the priority of each money printing channel in the current payment routing dictionary is a money printing channel for a payment treasure, a WeChat money printing channel, an bank A money printing channel (the money printing channel is a cross-bank money printing channel), and a money printing channel for a place credit agency in sequence from high to low. If the server determines that the priority of the payment routing channel (target payment channel) is not the lowest, the server automatically selects the payment channel with the second priority in the payment routing dictionary to finish the payment service, namely, the WeChat payment channel is determined to be the next payment channel.

In this embodiment, if the money-printing request can transfer the next money-printing channel, the next money-printing channel with a higher priority than the target money-printing channel can be intelligently selected according to the routing dictionary, thereby avoiding artificial determination and improving the money-printing efficiency.

In one embodiment, the method further comprises: and if the money printing request cannot be circulated in the next money printing channel, sending a feedback result representing unsuccessful money printing to the initiator of the money printing request.

Specifically, if the server determines that the money printing request cannot transfer to the next money printing channel based on the money printing weight corresponding to the target money printing channel, namely the money printing weight corresponding to the target money printing channel is the minimum of all the money printing weights of the payment routing dictionary, the server receives a feedback result representing unsuccessful money printing and sends the feedback result to an initiator of the money printing request, and meanwhile the server sends alarm information to remind workers. For example, the priority of each money printing channel in the current payment routing dictionary is a money printing channel for a payment treasure, a WeChat money printing channel, an bank A money printing channel (the money printing channel is a cross-bank money printing channel), and a money printing channel for a place credit agency in sequence from high to low. If the server determines that the priority of the bank payment channel A (target payment channel) is not the lowest, the server automatically selects a payment channel with the priority ranking behind the payment channel of the credit agency in the payment routing dictionary to finish the payment service, and the server sends alarm information for manual intervention because the payment channel with the priority ranking behind the payment channel of the credit agency does not exist in the payment routing dictionary, wherein the alarm information can be that a computer display interface displays text information or that a sound device of the server sends alarm sound.

In this embodiment, when it is determined that the money printing request cannot be circulated in the next money printing channel through judgment, a feedback result representing that the money printing is unsuccessful is sent to the initiator of the money printing request. Therefore, when the money printing operation corresponding to the target money printing channel fails, reasonable distribution can be automatically carried out according to the payment routing dictionary, the automatic matching money printing operation is realized, and manual intervention is greatly reduced.

In order to facilitate a clearer understanding of the technical solutions of the present application, a more detailed embodiment is provided as shown in fig. 6 for description. The payment routing method is mainly applied to a server, and the server can be a payment routing system. The payment routing system is of a distributed cluster structure, is provided with a plurality of servers, can elastically stretch according to different service data volume, response time and the like, and improves the efficiency stability of the system. The payment routing system can adjust the number of the servers according to the order demands, namely, the servers with fixed number are operated in a daily period, and the servers are automatically added to meet the order demands in an order peak period. The payment routing system comprises a load balancing device, a caching device, a plurality of payment system nodes and an alarm device. The payment routing system receives a money making request of a business; and obtaining a bet amount based on the bet request. The payment routing system generates a payment weight of each payment channel based on the determined channel quantity corresponding to a plurality of payment channels, a payment rate corresponding to each payment channel, a payment queue request number corresponding to each payment channel, a same-row payment parameter corresponding to each payment channel and a payment amount, and dynamically generates a payment routing dictionary which stores each payment channel in a reverse routing list mode based on the priority of each payment channel and caches the reverse routing list of the current payment dictionary. And the payment routing system determines a target money printing channel matched with the money printing request based on the payment routing dictionary, routes the money printing request to target equipment corresponding to the target money printing channel, performs money printing service and obtains a money printing result corresponding to the target money printing channel. And the target equipment sends the money printing result to a payment routing system, and the payment routing system judges whether the money printing is successful or not based on the money printing result. And if the payment is successful, sending the payment success result to a service end of enterprise payment. If not, the payment routing system determines whether the money printing request can enter a next money printing channel for circulation or not based on the priority of the target money printing channel; if the transfer can be carried out, the payment routing system automatically determines the next money printing channel with the priority behind the target money printing channel, and routes the money printing request to the next money printing channel for money printing operation; if the payment routing system can not transfer the money, the payment routing system receives the money printing failure result, sends the money printing failure result to a business terminal of enterprise money printing, and sends alarm information so as to be manually intervened, wherein the alarm information can be that a computer display interface displays text information or that a sound device of a server sends alarm sound.

In the process of generating the payment routing dictionary, the payment routing system realizes effective checking of consistency of daily money making data through log saving, and guarantees safety and integrity of funds under the condition of guaranteeing efficiency. And when a system fault occurs, the system fault can be checked according to the log. Meanwhile, according to the log alarm function, the system fault is known at the first time, the response time of operation and maintenance is shortened, the problem can be timely eliminated, and the normal use of the system is guaranteed.

In this embodiment, intelligent matching of money transfer based on a plurality of money transfer channels can be realized by generating the payment routing dictionary, money transfer amount per second level account transfer in each money transfer environment can be realized, money transfer efficiency is improved, money transfer cost across lines and platforms is reduced, and money transfer requests of the masses and the small masses can be satisfied. In addition, by adopting a distributed cluster architecture, elastic expansion can be realized, and the stability of the system and the labor cost of financial staff are ensured.

It should be understood that although the various steps in the flow charts of fig. 2-6 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-6 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed in turn or alternately with other steps or at least some of the other steps.

In one embodiment, as shown in fig. 7, there is provided a payment routing apparatus comprising: an obtaining module 702, a first determining module 702, a second determining module 706, a generating module 708, a third determining module 710, and a routing module 712, wherein:

an obtaining module 702, configured to obtain a to-be-processed money-making request; the money transfer request carries the money transfer amount.

The first determining module 702 is configured to determine the channel number corresponding to a plurality of payment channels, the payment rate corresponding to each payment channel, and the payment queue request number corresponding to each payment channel.

The second determining module 706 is configured to determine, based on the payment platform corresponding to the initiator of the money printing request, a peer money printing parameter corresponding to each money printing channel.

A generating module 708, configured to generate a payment routing dictionary corresponding to the money making request according to the money making amount, the channel number, the money making rate, the number of the money making queue requests, and the peer money making parameter; the payment routing dictionary defines the current priority corresponding to each money printing channel.

A third determining module 710, configured to determine, based on current priorities corresponding to the respective payment channels in the payment routing dictionary, a target payment channel matching the payment request from the multiple payment channels.

The routing module 712 is configured to route the money transfer request to a target device corresponding to the target money transfer channel, so as to trigger the target device to execute a money transfer operation corresponding to the money transfer request.

In an embodiment, the generating module 708 is configured to, for each of the payment channels, multiply the corresponding payment rate by the payment amount to obtain a pre-payment fee corresponding to each of the payment channels; for each money printing channel, integrating the corresponding pre-money printing fee, the request number of the money printing queue and the money printing parameters of the same row to obtain a money printing numerical value corresponding to the corresponding money printing channel; dividing the money making numerical value corresponding to each money making channel by the number of the channel respectively to obtain the money making weight corresponding to each money making channel respectively; and based on the payment weights respectively corresponding to the payment channels, sequencing the payment weights from large to small, and generating a payment routing dictionary corresponding to the payment request, wherein the priority corresponding to the maximum payment weight is highest.

In one embodiment, the third determining module 710 is configured to determine a maximum payment weight among the payment weights based on the payment routing dictionary; the priority corresponding to the maximum money-making weight is highest; and taking the money printing channel corresponding to the maximum money printing weight as a target money printing channel matched with the money printing request.

In one embodiment, the routing module 712 is configured to store the received money transfer request to a corresponding target money transfer queue by the target device; the target equipment sequentially executes corresponding money printing operation according to the sequence of the money printing requests stored in the target money printing queue; and after the target equipment completes the money printing operation corresponding to the money printing request initiated by the initiator, the target equipment feeds back payment information representing successful payment.

In an embodiment, the routing module 712 is further configured to, when receiving a feedback result indicating that the money printing is unsuccessful, that is fed back by the target device, determine whether the money printing request can be circulated in a next money printing channel; if the money printing request can transfer the next money printing channel, determining the next money printing channel corresponding to the money printing request based on the payment routing dictionary; and routing the money printing request to a next target device corresponding to the next money printing channel so as to trigger the next target device to execute the money printing operation corresponding to the money printing request.

In one embodiment, the routing module 712 is configured to obtain a next payment channel with a priority after the target payment channel according to the payment routing dictionary if the payment request is capable of flowing to the next payment channel.

In an embodiment, the routing module 712 is further configured to send a feedback result indicating that the money transfer is unsuccessful to the originator of the money transfer request, if the money transfer request cannot be circulated in the next money transfer channel.

For specific definition of the payment routing means, reference may be made to the above definition of the payment routing method, which is not described herein again. The various modules in the payment routing apparatus described above may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 8. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is for storing payment routing data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a payment routing method.

Those skilled in the art will appreciate that the architecture shown in fig. 8 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:

In one embodiment, the processor, when executing the computer program, further performs the steps of:

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:

In one embodiment, the computer program when executed by the processor further performs the steps of:

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A payment routing method, the method comprising:

acquiring a to-be-processed money making request; the money printing request carries a money printing amount;

determining the channel quantity corresponding to a plurality of payment channels, the payment rate corresponding to each payment channel and the payment queue request number corresponding to each payment channel;

determining the same-row money-making parameters respectively corresponding to each money-making channel based on a payment platform corresponding to the initiator of the money-making request;

generating a payment routing dictionary corresponding to the money making request according to the money making amount, the channel quantity, the money making rate, the money making queue request number and the money making parameter of the same row; the payment routing dictionary defines the current priority corresponding to each money making channel;

determining a target money printing channel matched with the money printing request from the plurality of money printing channels based on the current priority corresponding to each money printing channel in the payment routing dictionary;

and routing the money making request to target equipment corresponding to the target money making channel so as to trigger the target equipment to execute money making operation corresponding to the money making request.

2. The method of claim 1, wherein generating a payment routing dictionary corresponding to the typing request according to the typing amount, the channel number, the typing rate, the typing queue request number, and the peer typing parameter comprises:

for each money making channel, multiplying the corresponding money making rate by the money making amount to obtain a pre-payment fee corresponding to each money making channel;

for each money printing channel, integrating corresponding pre-money printing fee, the request number of the money printing queue and the money printing parameters of the same row to obtain a money printing numerical value corresponding to the corresponding money printing channel;

dividing the money making numerical value corresponding to each money making channel by the number of the channels respectively to obtain money making weights corresponding to the money making channels respectively;

and based on the payment weights respectively corresponding to the payment channels, sequencing the payment weights from large to small, and generating a payment routing dictionary corresponding to the payment request, wherein the priority corresponding to the maximum payment weight is highest.

3. The method of claim 1, wherein determining a target payment channel from the plurality of payment channels that matches the payment request based on the current priority corresponding to each respective payment channel in the payment routing dictionary comprises:

determining a maximum payment weight in the payment routing dictionary; the priority corresponding to the maximum money drawing weight is highest;

and taking the money printing channel corresponding to the maximum money printing weight as a target money printing channel matched with the money printing request.

4. The method of claim 1, wherein the target device performs a debit operation corresponding to the debit request, comprising:

the target equipment stores the received money making request to a corresponding target money making queue;

the target equipment sequentially executes corresponding money printing operation according to the sequence of the money printing requests stored in the target money printing queue;

and after the target equipment completes the money printing operation corresponding to the money printing request initiated by the initiator, the target equipment feeds back payment information representing successful payment.

5. The method of claim 1, further comprising:

when a feedback result of unsuccessful money printing representation fed back by the target equipment is received, judging whether the money printing request can transfer to a next money printing channel or not;

if the money printing request can transfer the next money printing channel, determining the next money printing channel corresponding to the money printing request based on the payment routing dictionary;

and routing the money printing request to a next target device corresponding to the next money printing channel so as to trigger the next target device to execute the money printing operation corresponding to the money printing request.

6. The method of claim 5, wherein determining the next payment channel corresponding to the request to fund based on the payment routing dictionary if the request to fund is capable of circulation to the next payment channel comprises:

7. The method of claim 5, further comprising:

8. A payment routing apparatus, the apparatus comprising:

the generating module is used for generating a payment routing dictionary corresponding to the money making request according to the money making amount, the channel quantity, the money making rate, the money making queue request number and the money making parameter of the same row; the payment routing dictionary defines the current priority corresponding to each money making channel;

a third determining module, configured to determine, based on current priorities corresponding to respective payment channels in the payment routing dictionary, a target payment channel matching the payment request from the multiple payment channels;

and the routing module is used for routing the money making request to target equipment corresponding to the target money making channel so as to trigger the target equipment to execute money making operation corresponding to the money making request.

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.