CN108320147A - A kind of exchange management method, device, server and storage medium - Google Patents
A kind of exchange management method, device, server and storage medium Download PDFInfo
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- CN108320147A CN108320147A CN201810167054.5A CN201810167054A CN108320147A CN 108320147 A CN108320147 A CN 108320147A CN 201810167054 A CN201810167054 A CN 201810167054A CN 108320147 A CN108320147 A CN 108320147A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- 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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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Abstract
The embodiment of the invention discloses a kind of exchange management method, device, server and storage mediums.This method includes：Transaction request is obtained, and monitors current third party Collection and Payment On Behalf channel with the presence or absence of abnormal；If the transaction request is sent to alternative third party's Collection and Payment On Behalf channel by the status information that there is abnormal each third party's Collection and Payment On Behalf channel according to transaction platform support, it is traded.Technical solution provided in an embodiment of the present invention will cause customer transaction to fail once solving existing Collection and Payment On Behalf channel abnormal, the problem of to cause poor user experience, solve that Collection and Payment On Behalf is abnormal and then the user experience is improved in the case where user does not perceive.
Description
Technical field
The present invention relates to network trading technical field more particularly to a kind of exchange management method, device, server and storages
Medium.
Background technology
Recently as internet and network finance, shopping it is universal, enrich people’s lives.Wherein, due to user
It is often traded by the third party's Collection and Payment On Behalf channel provided in transaction software so that online transaction is such as supplemented with money and withdrawn deposit
It is convenient to be brought to people’s lives.
Currently, when user is when request is supplemented or withdraws deposit in online initiation with money, server is by calling third party's Collection and Payment On Behalf logical
Road responds the request of user.However, third party's Collection and Payment On Behalf channel status is unpredictable, once the appearance of Collection and Payment On Behalf channel is different
Often, it will cause user to supplement with money or withdraw deposit unsuccessfully, to reduce the experience of user.
Invention content
A kind of exchange management method of offer of the embodiment of the present invention, device, server and storage medium do not have perception in user
In the case of can be solved the problem of Collection and Payment On Behalf exception, to which the user experience is improved.
In a first aspect, an embodiment of the present invention provides a kind of exchange management method, this method includes：
Transaction request is obtained, and monitors current third party Collection and Payment On Behalf channel with the presence or absence of abnormal；
If there is the status information in abnormal, to support according to transaction platform each third party's Collection and Payment On Behalf channel by the friendship
Easily request is sent to alternative third party's Collection and Payment On Behalf channel, is traded.
Second aspect, the embodiment of the present invention additionally provide a kind of trade management device, which includes：
Acquisition request module is asked for obtaining transaction；
Exception monitoring module, for monitoring current third party Collection and Payment On Behalf channel with the presence or absence of abnormal；
Request sending module, if there is abnormal, the shape according to each third party's Collection and Payment On Behalf channel that transaction platform is supported
The transaction request is sent to alternative third party's Collection and Payment On Behalf channel by state information, is traded.
The third aspect, the embodiment of the present invention additionally provide a kind of server, which includes：
One or more processors；
Storage device, for storing one or more programs；
When one or more of programs are executed by one or more of processors so that one or more of processing
Device realizes the arbitrary exchange management method in first aspect.
Fourth aspect, the embodiment of the present invention additionally provide a kind of storage medium, are stored thereon with computer program, the program
The arbitrary exchange management method in first aspect is realized when being executed by processor.
Exchange management method, device, server and storage medium provided in an embodiment of the present invention, by being withheld to third party
The exception for paying out channel is monitored, and current third party Collection and Payment On Behalf channel is deposited when abnormal, is supported according to transaction platform
The status information in each third party's Collection and Payment On Behalf channel can flexibly be switched to alternative third party's Collection and Payment On Behalf channel, solve existing
Once Collection and Payment On Behalf channel abnormal, customer transaction will be caused to fail, the problem of to cause poor user experience, do not felt in user
Collection and Payment On Behalf exception is solved in the case of knowing, the user experience is improved.
Description of the drawings
By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, of the invention other
Feature, objects and advantages will become more apparent upon：
Fig. 1 is a kind of flow chart of the exchange management method provided in the embodiment of the present invention one；
Fig. 2 is a kind of flow chart of the exchange management method provided in the embodiment of the present invention two；
Fig. 3 is a kind of flow chart of the exchange management method provided in the embodiment of the present invention three；
Fig. 4 is a kind of flow chart of the exchange management method provided in the embodiment of the present invention four；
Fig. 5 is a kind of structure diagram of the trade management device provided in the embodiment of the present invention five；
Fig. 6 is a kind of structural schematic diagram of the server provided in the embodiment of the present invention six.
Specific implementation mode
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is only used for explaining the present invention rather than limitation of the invention.It also should be noted that for the ease of
Description, only some but not all contents related to the present invention are shown in the drawings.
Embodiment one
The case where Fig. 1 is a kind of flow chart for exchange management method that the embodiment of the present invention one provides, and the present embodiment is based on
Such as user supplements with money, pays or withdraws deposit transaction in orange financing application program.This method can be by the embodiment of the present invention
Trade management device/server/computer readable storage medium storing program for executing of offer executes, and device/server/computer is readable deposits for this
Software can be used in storage media and/or the mode of hardware is realized.Referring to Fig. 1, this method specifically includes：
S110 obtains transaction request, and monitors current third party Collection and Payment On Behalf channel with the presence or absence of abnormal.
Wherein, transaction refers to the branch of supplementing with money, withdraw deposit or do shopping that user is carried out on the transaction platform that exchange company provides
It pays and waits operation.Corresponding, transaction request refers to the request automatically generated depending on the user's operation；The generation of transaction request can be with
Including following situations：First, transaction request can be generated according to user in the amount of money inputted in the process of supplementing with money or withdraw deposit；Second,
The bill to be paid that can be generated in payment process according to user, the transaction request automatically generated.
Third party's Collection and Payment On Behalf channel refers to the corresponding back-end server of transaction platform and third party that exchange company provides
The communication port that Collection and Payment On Behalf is traded.Illustratively, third party's generation that the transaction platform which provides is supported
Receipts may include：Yi Bao, repeatedly, fast money, Jin Yuntong, wealth pay logical, Jingdone district payment etc.；Third party, which pays out, may include：Wealth pay it is logical,
Middle letter, safety, wide hair etc..
Illustratively, trade management device can be the corresponding back-end server of transaction platform that exchange company provides, should
There is the main thread for exclusively carrying out transaction on server, is used for reading service Parameter File server.xml, and start according to parameter
Service, poll wait for request；Furthermore, it is necessary to which explanation, existing technology are such as filled when server receives Client-initiated
When the transaction requests such as being worth, withdraw deposit, since third party's Collection and Payment On Behalf channel status is unpredictable, once third party's Collection and Payment On Behalf is logical
Road is abnormal, will lead to the Fail Transaction of user；Therefore, also being opened on the server of the present embodiment has monitoring alarm to service sub-line
Journey, the state in each third party's Collection and Payment On Behalf channel that the transaction platform for monitoring exchange company's offer in real time is supported, and will
This state real-time informing is to main thread, to ensure that the transaction carried out on main thread is normal.
Optionally, monitoring transaction request corresponding third party's Collection and Payment On Behalf channel whether there is abnormal, including：Retrieve third
Collection and Payment On Behalf exception information in the journal file in square Collection and Payment On Behalf channel；If Collection and Payment On Behalf exception information occurrence number is more than pre-
If threshold value, it is determined that third party's Collection and Payment On Behalf channel exists abnormal.Wherein, include the transaction road of Collection and Payment On Behalf in journal file
Diameter, identification information and the parameter that reports an error etc.；Predetermined threshold value is 7.
Specifically, monitoring alarm services sub-line journey, always in the journal file of poll third party's Collection and Payment On Behalf.Retrieve daily record
Key message in file：Collection and Payment On Behalf daily record, Collection and Payment On Behalf is normal and Collection and Payment On Behalf is abnormal；Occur reporting an error day for 7 times when continuous
Will has key message Collection and Payment On Behalf abnormal, then it is abnormal to conclude that third party's Collection and Payment On Behalf channel exists, and sub-line journey is led notice
Thread closes the channel.
S120, if the status information that there is abnormal each third party's Collection and Payment On Behalf channel according to transaction platform support will
Transaction request is sent to alternative third party's Collection and Payment On Behalf channel, is traded.
Wherein, status information refers to the state of the corresponding communication port of each third party's Collection and Payment On Behalf, may include it is normal and
Abnormal two states；Alternative third party's Collection and Payment On Behalf channel refers to third party's generation that the transaction platform that exchange company provides is supported
Receive any one in channel.
Specifically, current third party's Collection and Payment On Behalf channel is easy precious corresponding channel, monitoring alarm services sub-line journey prison
When measuring the channel abnormal, warning information will be sent out, when main thread receives the warning information, is by the status modifier in the channel
It is abnormal to close the channel, and another is notified on server to have sub-line journey of election subfunction according to easily treasured, repeatedly, soon
Money, Jin Yuntong, wealth pay logical, Jingdone district payment, wealth pays logical, middle letter, safety and the status information for extensively sending out channel corresponding and corresponding rule
Then, a such as wealth is therefrom selected to pay logical alternately third party's Collection and Payment On Behalf channel to respond the transaction request of user.
Exchange management method provided in an embodiment of the present invention is supervised by the exception to third party's Collection and Payment On Behalf channel
It surveys, current third party Collection and Payment On Behalf channel is deposited when abnormal, each third party's Collection and Payment On Behalf channel supported according to transaction platform
Status information can flexibly be switched to alternative third party's Collection and Payment On Behalf channel, once it is different to solve existing Collection and Payment On Behalf channel
Often, customer transaction will be caused to fail, the problem of to cause poor user experience, solves to withhold generation in the case where user does not perceive
Exception is paid, the user experience is improved.
Illustratively, after monitoring current third party Collection and Payment On Behalf channel there are exception, can also include：Send out announcement
Alert information, and the corresponding status information in third party's Collection and Payment On Behalf channel is labeled as abnormality.Wherein, warning information can be
Relevant staff is informed in a manner of short message, buzzer warning or screen display, which need to position solution；It is abnormal
Third party's Collection and Payment On Behalf channel under state is closed.
Optionally, it after the corresponding status information in third party's Collection and Payment On Behalf channel being labeled as abnormality, can also wrap
It includes：Third party Collection and Payment On Behalf channel of the monitoring in abnormality in real time, and timing sends account to third party's Collection and Payment On Behalf channel
Family inquiry request；If receiving normal echo message in preset times, more by the status information in third party's Collection and Payment On Behalf channel
It is changed to normal condition.
Wherein, account inquiries request is that server is sent by third party's Collection and Payment On Behalf channel to third party's Collection and Payment On Behalf
Request for inquiring account information；It is right by its after normal echo message refers to third party's Collection and Payment On Behalf completion transaction request
The Successful Transaction information that the channel answered is sent to server；Preset times are that server is pre-set, different third party's generations
Receipts, which are paid out, can correspond to different preset times.In order to ensure the safety of transaction and reliable, preset times are the bigger the better, such as default time
Number can be 1000.
Specifically, the server can also there are one the sub-line journeys dedicated for monitoring abnormal passage.When main thread receives
It is notice monitoring after abnormality by the status modifier in the channel after the warning information sent out to monitoring alarm service sub-line journey
The sub-line journey timing of abnormal passage sends account inquiries request to the channel, if continuous 1000 requests can receive the third
The normal response of square Collection and Payment On Behalf then reopens the corresponding channel of third party's Collection and Payment On Behalf.
Embodiment two
Fig. 2 is a kind of flow chart of exchange management method provided by Embodiment 2 of the present invention, and this method is in above-described embodiment
On the basis of one, further optimized to obtaining transaction request.Referring to Fig. 2, this method specifically includes：
S210 reads pre-stored trading rules text in response to transactional operation according to the user information in transactional operation
Part.
Wherein, transactional operation refers to for being operated on the transaction interface for the transaction platform that exchange company provides, such as
Supplementing with money or withdrawing deposit, interface inputs the amount of money；Can include the information of user in the transactional operation, such as user credit grade, supplement with money or
The bank etc. to withdraw deposit.Trading rules file refers to that transaction platform, each bank and the transaction platform that exchange company provides are supported
All third party's Collection and Payment On Behalf regulation, wherein the corresponding regulation of different third party's Collection and Payment On Behalf is different.
S220, the available amount according to the corresponding transaction of trading rules file acquisition transactional operation.
Wherein, can refer to that the credit position for referring to bank or exchange company according to offer is given in fixed time limit with amount
Give the amount of money that highest can use；The upper limit value of the amount of money workable for the user that generally transaction platform is provided.Different user
Corresponding available amount is different, and the high available amount of user credit grade is relatively high.
In addition, can also be related with the number of transaction request with amount.For example, if the user is first on the day of as user
Secondary to be traded operation, then it is the peak that can use volume on the same day that amount, which can be used,；When the user is traded time of operation on the day of
It when number is at least twice, will can according to a certain percentage be reduced, can be promoted by paying certain credit expense current with amount
The amount of money that can be used to same day highest with amount, to complete to merchandise.
Specifically, when server main thread gets the transactional operation that user carries out on transaction interface and such as supplements with money, then
The user credit class information in operation can be supplemented with money according to Client-initiated and read relevant rule file, it is current to obtain user
Highest can use amount.
S230 generates transaction request if the amount of money for including in transactional operation is less than available amount.
When the amount of money for including is less than the available amount of transaction platform defined, but it is more than current third party in transactional operation
Available amount on the day of Collection and Payment On Behalf then can switch to the third party's Collection and Payment On Behalf that disclosure satisfy that this time transaction, to obtain the friendship
Easily request.
Illustratively, if the amount of money for including in transaction request is more than available amount, excess prompt letter is sent to client
Breath.
For example, user is when carrying out withdrawing deposit operation on transaction interface, when the same day Withdrawal Amount of user is more than associated bank
When the available amount of online transaction, since the application has prestored rule file, will can withdraw deposit Excess Information announcement at the first time
Know user.
S240, monitoring current third party Collection and Payment On Behalf channel is with the presence or absence of abnormal.
S250, if the status information that there is abnormal each third party's Collection and Payment On Behalf channel according to transaction platform support will
Transaction request is sent to alternative third party's Collection and Payment On Behalf channel, is traded.
Exchange management method provided in an embodiment of the present invention first judges the transaction limit of user, for meeting
Defined user is just traded request, can not only reduce the pressure of system request in this way, also more quickly allows user first
Time knowledge of result；It is monitored simultaneously by the exception to third party's Collection and Payment On Behalf channel, current third party Collection and Payment On Behalf is logical
Road is deposited when abnormal, and the status information in each third party's Collection and Payment On Behalf channel supported according to transaction platform can flexibly be switched to standby
Third party's Collection and Payment On Behalf channel of choosing will cause customer transaction to fail once solving existing Collection and Payment On Behalf channel abnormal, from
And the problem of causing poor user experience, Collection and Payment On Behalf exception is solved in the case where user does not perceive, the user experience is improved.
Embodiment three
Fig. 3 is a kind of flow chart for exchange management method that the embodiment of the present invention three provides, and this method is in above-described embodiment
On the basis of, if the further state in pair each third party's Collection and Payment On Behalf channel supported in the presence of exception, foundation transaction platform
The transaction request is sent to alternative third party's Collection and Payment On Behalf channel and optimized by information.Referring to Fig. 3, this method is specifically wrapped
It includes：
S310 obtains transaction request, and monitors current third party Collection and Payment On Behalf channel with the presence or absence of abnormal.
S320 inquires the status information in each third party's Collection and Payment On Behalf channel if there is exception.
After the main thread of server receives the warning information that monitoring alarm service sub-line journey is sent out, notice has election
The sub-line journey of subfunction inquires the status information in each channel.
S330 determines alternative third party's Collection and Payment On Behalf channel according to status information and channel selecting rule.
Wherein, channel selecting rule refers to how selecting the channel being traded in channel from normal, may include：Respectively
The number etc. of the response speed in a channel, current request number of times and appearance exception.
Status information and pre-set channel of the sub-line journey with election subfunction according to each channel inquired
Selection rule selects alternately third party's Collection and Payment On Behalf channel from the channel of normal condition.
Transaction request is sent to alternative third party's Collection and Payment On Behalf channel, is traded by S340.
Exchange management method provided in an embodiment of the present invention is supervised by the exception to third party's Collection and Payment On Behalf channel
It surveys, current third party Collection and Payment On Behalf channel is deposited when abnormal, each third party's Collection and Payment On Behalf channel supported according to transaction platform
Status information can flexibly be switched to alternative third party's Collection and Payment On Behalf channel, once it is different to solve existing Collection and Payment On Behalf channel
Often, customer transaction will be caused to fail, the problem of to cause poor user experience, solves to withhold generation in the case where user does not perceive
Exception is paid, the user experience is improved.
Example IV
Fig. 4 is the flow chart that the present invention implements a kind of exchange management method that four provide, and this method is that above-described embodiment carries
A kind of preferable example supplied.Specifically, this method may include：
S401 reads pre-stored trading rules text in response to transactional operation according to the user information in transactional operation
Part.
S402, the available amount according to the corresponding transaction of trading rules file acquisition transactional operation.
S403 judges whether the amount of money for including in transactional operation is more than available amount.If not exceeded, thening follow the steps
S404 thens follow the steps S405 if being more than.
S404 obtains transaction request, and monitors current third party Collection and Payment On Behalf channel with the presence or absence of abnormal.If there are different
Often, S406 is thened follow the steps；Otherwise, step S409 is executed.
S405 sends excess prompt message to client.
S406 inquires the status information in each third party's Collection and Payment On Behalf channel.
S407 determines alternative third party's Collection and Payment On Behalf channel according to status information and channel selecting rule.
Transaction request is sent to alternative third party's Collection and Payment On Behalf channel by S408.
S409 carries out arm's length dealing.
Exchange management method provided in an embodiment of the present invention first judges the transaction limit of user, for meeting
Defined user is just traded request, can not only reduce the pressure of system request in this way, also more quickly allows user first
Time knowledge of result；It is monitored simultaneously by the exception to third party's Collection and Payment On Behalf channel, current third party Collection and Payment On Behalf is logical
Road is deposited when abnormal, and the status information in each third party's Collection and Payment On Behalf channel supported according to transaction platform can flexibly be switched to standby
Third party's Collection and Payment On Behalf channel of choosing will cause customer transaction to fail once solving existing Collection and Payment On Behalf channel abnormal, from
And the problem of causing poor user experience, Collection and Payment On Behalf exception is solved in the case where user does not perceive, the user experience is improved.
Embodiment five
Fig. 5 is a kind of structure diagram for trade management device that the embodiment of the present invention five provides, which can perform this hair
The exchange management method that bright any embodiment is provided has the corresponding function module of execution method and advantageous effect.Such as Fig. 5 institutes
Show, which may include：
Acquisition request module 510 is asked for obtaining transaction；
Exception monitoring module 520, for monitoring current third party Collection and Payment On Behalf channel with the presence or absence of abnormal；
Request sending module 530, if there is abnormal each third party's Collection and Payment On Behalf channel according to transaction platform support
Transaction request is sent to alternative third party's Collection and Payment On Behalf channel by status information, is traded.
Trade management device provided in an embodiment of the present invention is supervised by the exception to third party's Collection and Payment On Behalf channel
It surveys, current third party Collection and Payment On Behalf channel is deposited when abnormal, each third party's Collection and Payment On Behalf channel supported according to transaction platform
Status information can flexibly be switched to alternative third party's Collection and Payment On Behalf channel, once it is different to solve existing Collection and Payment On Behalf channel
Often, customer transaction will be caused to fail, the problem of to cause poor user experience, solves to withhold generation in the case where user does not perceive
Exception is paid, the user experience is improved.
Optionally, acquisition request module 510 is specifically used for：
In response to transactional operation, pre-stored trading rules file is read according to the user information in transactional operation；
Available amount according to the corresponding transaction of trading rules file acquisition transactional operation；
If the amount of money for including in transactional operation is less than available amount, transaction request is generated.
Optionally, exception monitoring module 520 is specifically used for：
Retrieve the Collection and Payment On Behalf exception information in the journal file in third party's Collection and Payment On Behalf channel；
If Collection and Payment On Behalf exception information occurrence number is more than predetermined threshold value, it is determined that there are different in third party's Collection and Payment On Behalf channel
Often.
Illustratively, above-mentioned apparatus can also include：
If alarm module sends out warning information after for monitoring current third party Collection and Payment On Behalf channel there are exception；
State change module, for the corresponding status information in third party's Collection and Payment On Behalf channel to be labeled as abnormality.
Illustratively, above-mentioned apparatus can also include：
Channel monitoring module, for the corresponding status information in third party's Collection and Payment On Behalf channel to be labeled as abnormal shape
After state, monitoring in real time is in third party's Collection and Payment On Behalf channel of abnormality, and timing is sent out to third party's Collection and Payment On Behalf channel
Account inquiries are sent to ask；
If state change module is additionally operable in preset times receive normal echo message, third party's Collection and Payment On Behalf is led to
The status information in road is changed to normal condition.
Optionally, request sending module 530 specifically can be used for：
Inquire the status information in each third party's Collection and Payment On Behalf channel；
Alternative third party's Collection and Payment On Behalf channel is determined according to status information and channel selecting rule；
Transaction request is sent to alternative third party's Collection and Payment On Behalf channel.
Illustratively, above-mentioned apparatus further includes：
Excess reminding module is sent super if the amount of money for including in transaction request is more than available amount to client
Volume prompt message.
Embodiment six
Fig. 6 is a kind of structural schematic diagram for server that the embodiment of the present invention six provides.Fig. 6 is shown suitable for being used for realizing
The block diagram of the exemplary servers 12 of embodiment of the present invention.The server 12 that Fig. 6 is shown is only an example, should not be to this
The function and use scope of inventive embodiments bring any restrictions.
As shown in fig. 6, the server 12 is showed in the form of universal computing device.The component of the server 12 may include
But it is not limited to：One or more processor or processing unit 16, system storage 28, connection different system component (including
System storage 28 and processing unit 16) bus 18.
Bus 18 indicates one or more in a few class bus structures, including memory bus or Memory Controller,
Peripheral bus, graphics acceleration port, processor or the local bus using the arbitrary bus structures in a variety of bus structures.It lifts
For example, these architectures include but not limited to industry standard architecture (ISA) bus, microchannel architecture (MAC)
Bus, enhanced isa bus, Video Electronics Standards Association (VESA) local bus and peripheral component interconnection (PCI) bus.
Server 12 typically comprises a variety of computer system readable media.These media can any can be serviced
The usable medium that device 12 accesses, including volatile and non-volatile media, moveable and immovable medium.
System storage 28 may include the computer system readable media of form of volatile memory, such as arbitrary access
Memory (RAM) 30 and/or cache memory 32.Server 12 may further include other removable/nonremovable
, volatile/non-volatile computer system storage medium.Only as an example, storage system 34 can be used for reading and writing not removable
Dynamic, non-volatile magnetic media (Fig. 6 do not show, commonly referred to as " hard disk drive ").Although being not shown in Fig. 6, can provide
For the disc driver to moving non-volatile magnetic disk (such as " floppy disk ") read-write, and to moving anonvolatile optical disk
The CD drive of (such as CD-ROM, DVD-ROM or other optical mediums) read-write.In these cases, each driver can
To be connected with bus 18 by one or more data media interfaces.System storage 28 may include at least one program production
There is one group of (for example, at least one) program module, these program modules to be configured to perform of the invention each for product, the program product
The function of embodiment.
Program/utility 40 with one group of (at least one) program module 42 can be stored in such as system storage
In device 28, such program module 42 includes but not limited to operating system, one or more application program, other program modules
And program data, the realization of network environment may be included in each or certain combination in these examples.Program module 42
Usually execute the function and/or method in embodiment described in the invention.
Server 12 can also be logical with one or more external equipments 14 (such as keyboard, sensing equipment, display 24 etc.)
Letter can also enable a user to equipment interact with the equipment with one or more and communicate, and/or with enable the server 12
Any equipment (such as network interface card, modem etc.) communication communicated with one or more of the other computing device.It is this
Communication can be carried out by input/output (I/O) interface 22.Also, server 12 can also pass through network adapter 20 and one
A or multiple networks (such as LAN (LAN), wide area network (WAN) and/or public network, such as internet) communication.Such as figure
Shown, network adapter 20 is communicated by bus 18 with other modules of server 12.It should be understood that although not shown in the drawings,
Other hardware and/or software module can be used in conjunction with server 12, including but not limited to：Microcode, device driver, redundancy
Processing unit, external disk drive array, RAID system, tape drive and data backup storage system etc..
Processing unit 16 is stored in program in system storage 28 by operation, to perform various functions application and
Data processing, such as realize the exchange management method that the embodiment of the present invention is provided.
Embodiment seven
The embodiment of the present invention seven additionally provides a kind of computer readable storage medium, is stored thereon with computer program, should
Program can realize exchange management method any in above-described embodiment when being executed by processor.
The arbitrary of one or more computer-readable media may be used in the computer storage media of the embodiment of the present invention
Combination.Computer-readable medium can be computer-readable signal media or computer readable storage medium.It is computer-readable
Storage medium can be for example but not limited to：System, device or the device of electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor, or
The arbitrary above combination of person.The more specific example (non exhaustive list) of computer readable storage medium includes：There are one tools
Or the electrical connections of multiple conducting wires, portable computer diskette, hard disk, random access memory (RAM), read-only memory (ROM),
The read-only storage (CD-ROM) of erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc, light are deposited
Memory device, magnetic memory device or above-mentioned any appropriate combination.In this document, computer readable storage medium can be with
To be any include or the tangible medium of storage program, the program can be commanded execution system, device either device use or
It is in connection.
Computer-readable signal media may include in a base band or as the data-signal that a carrier wave part is propagated,
Wherein carry computer-readable program code.Diversified forms may be used in the data-signal of this propagation, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By instruction execution system, device either device use or program in connection.
The program code for including on computer-readable medium can transmit with any suitable medium, including but not limited to：
Wirelessly, electric wire, optical cable, RF etc. or above-mentioned any appropriate combination.
It can be write with one or more programming languages or combinations thereof for executing the computer that operates of the present invention
Program code, described program design language include object oriented program language-such as Java, Smalltalk, C++,
Further include conventional procedural programming language-such as " C " language or similar programming language.Program code can be with
It fully executes, partly execute on the user computer on the user computer, being executed as an independent software package, portion
Divide and partly executes or executed on a remote computer or server completely on the remote computer on the user computer.
It is related in the situation of remote computer, remote computer can include LAN (LAN) or wide area by the network of any kind
Net (WAN) is connected to subscriber computer, or, it may be connected to outer computer (such as using ISP come
It is connected by internet).
Above-described embodiment serial number is for illustration only, can not represent the quality of embodiment.
Will be appreciated by those skilled in the art that each module of the above invention or each step can use general meter
Device is calculated to realize, they can be concentrated on single computing device, or be distributed in network constituted by multiple computing devices
On, optionally, they can be realized with the program code that computer installation can perform, so as to be stored in storage
It is performed by computing device in device, either they are fabricated to each integrated circuit modules or will be more in them
A module or step are fabricated to single integrated circuit module to realize.In this way, the present invention is not limited to any specific hardware and
The combination of software.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with
The difference of other embodiment, just to refer each other for the same or analogous part between each embodiment.
The foregoing is merely the preferred embodiment of the present invention, are not intended to restrict the invention, for those skilled in the art
For, the present invention can have various modifications and changes.It is all within spirit and principles of the present invention made by any modification, equivalent
Replace, improve etc., it should all be included in the protection scope of the present invention.
Claims (12)
1. a kind of exchange management method, which is characterized in that including：
Transaction request is obtained, and monitors current third party Collection and Payment On Behalf channel with the presence or absence of abnormal；
If the status information that there is abnormal each third party's Collection and Payment On Behalf channel according to transaction platform support asks the transaction
It asks and is sent to alternative third party's Collection and Payment On Behalf channel, be traded.
2. according to the method described in claim 1, it is characterized in that, obtain transaction request, including：
In response to transactional operation, pre-stored trading rules file is read according to the user information in the transactional operation；
Available amount according to the corresponding transaction of transactional operation described in the trading rules file acquisition；
If the amount of money for including in the transactional operation can use amount described in being less than, the transaction request is generated.
3. according to the method described in claim 1, it is characterized in that, monitoring the corresponding third party's Collection and Payment On Behalf of the transaction request
Channel whether there is exception, including：
Retrieve the Collection and Payment On Behalf exception information in the journal file in third party's Collection and Payment On Behalf channel；
If the Collection and Payment On Behalf exception information occurrence number is more than predetermined threshold value, it is determined that deposit in third party's Collection and Payment On Behalf channel
In exception.
4. if according to the method described in claim 1, it is characterized in that, after there are exception, further include：
Warning information is sent out, and the corresponding status information in third party's Collection and Payment On Behalf channel is labeled as abnormality.
5. according to the method described in claim 4, it is characterized in that, the corresponding state in third party's Collection and Payment On Behalf channel is believed
Breath is labeled as after abnormality, further includes：
Third party Collection and Payment On Behalf channel of the monitoring in the abnormality in real time, and timing is logical to third party's Collection and Payment On Behalf
Road sends account inquiries request；
If receiving normal echo message in preset times, the status information in third party's Collection and Payment On Behalf channel is changed to
Normal condition.
6. if according to the method described in claim 1, it is characterized in that, have abnormal, being supported according to transaction platform each the
The transaction request is sent to alternative third party's Collection and Payment On Behalf channel by the status information in tripartite's Collection and Payment On Behalf channel, including：
Inquire the status information in each third party's Collection and Payment On Behalf channel；
Alternative third party's Collection and Payment On Behalf channel is determined according to the status information and channel selecting rule；
The transaction request is sent to alternative third party's Collection and Payment On Behalf channel.
7. according to the method described in claim 2, it is characterized in that, further including：
If the amount of money for including in the transaction request can use amount described in being more than, excess prompt message is sent to client.
8. a kind of trade management device, which is characterized in that including：
Acquisition request module is asked for obtaining transaction；
Exception monitoring module, for monitoring current third party Collection and Payment On Behalf channel with the presence or absence of abnormal；
Request sending module, if there is abnormal, the state letter according to each third party's Collection and Payment On Behalf channel that transaction platform is supported
The transaction request is sent to alternative third party's Collection and Payment On Behalf channel by breath, is traded.
9. device according to claim 8, which is characterized in that the acquisition request module is specifically used for：
In response to transactional operation, pre-stored trading rules file is read according to the user information in the transactional operation；
Available amount according to the corresponding transaction of transactional operation described in the trading rules file acquisition；
If the amount of money for including in the transactional operation can use amount described in being less than, the transaction request is generated.
10. device according to claim 8, which is characterized in that the exception monitoring module is specifically used for：
Retrieve the Collection and Payment On Behalf exception information in the journal file in third party's Collection and Payment On Behalf channel；
If the Collection and Payment On Behalf exception information occurrence number is more than predetermined threshold value, it is determined that deposit in third party's Collection and Payment On Behalf channel
In exception.
11. a kind of server, which is characterized in that the server includes：
One or more processors；
Storage device, for storing one or more programs；
When one or more of programs are executed by one or more of processors so that one or more of processors are real
The now exchange management method as described in any in claim 1-7.
12. a kind of storage medium, is stored thereon with computer program, which is characterized in that the program is realized when being executed by processor
Exchange management method as described in any in claim 1-7.
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| CN201810167054.5A CN108320147A (en) | 2018-02-28 | 2018-02-28 | A kind of exchange management method, device, server and storage medium |
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| CN201810167054.5A CN108320147A (en) | 2018-02-28 | 2018-02-28 | A kind of exchange management method, device, server and storage medium |
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| CN109146429A (en) * | 2018-09-04 | 2019-01-04 | 小智科技有限公司 | A kind of factoring commission intelligence settlement method and device |
| CN109359955A (en) * | 2018-10-25 | 2019-02-19 | 平安科技（深圳）有限公司 | Transaction processing method, device, computer equipment and storage medium |
| CN110428253A (en) * | 2019-06-19 | 2019-11-08 | 平安银行股份有限公司 | Trading channel control method, device, computer equipment and storage medium |
| CN111736995A (en) * | 2020-06-15 | 2020-10-02 | 北京三快在线科技有限公司 | Resource channel state switching method, device, equipment and storage medium |
| CN111951000A (en) * | 2020-08-24 | 2020-11-17 | 吉林亿联银行股份有限公司 | Payment request processing method and device |
| CN112967048A (en) * | 2020-11-24 | 2021-06-15 | 辽宁振兴银行股份有限公司 | Intelligent route for collecting and paying instead based on distributed architecture |
| CN113076200A (en) * | 2021-06-04 | 2021-07-06 | 四川新网银行股份有限公司 | Channel flow dynamic regulation and control method based on multiple payment channels |
| CN114626839A (en) * | 2022-03-15 | 2022-06-14 | 携程旅游网络技术（上海）有限公司 | Payment channel monitoring method and system, electronic equipment and storage medium |
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