CN116308386A

CN116308386A - Service processing method, device, computer program product and readable storage medium

Info

Publication number: CN116308386A
Application number: CN202310269907.7A
Authority: CN
Inventors: 程乃学; 周杨; 姜国庆; 申振雨
Original assignee: Industrial Bank Co Ltd
Current assignee: Industrial Bank Co Ltd
Priority date: 2023-03-20
Filing date: 2023-03-20
Publication date: 2023-06-23

Abstract

The application relates to a business processing method, a business processing device, computer equipment, a storage medium and a computer program product, which are applied to the technical field of data processing. The method comprises the following steps: acquiring target processing information of a target service and a preset route list corresponding to the target processing information; determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time; checking the available state of the target processing route according to the target processing information; and processing the target business through the target processing route when the target processing route is determined to be in the available state. The method can reduce the failure rate of service processing.

Description

Service processing method, device, computer program product and readable storage medium

Technical Field

The present invention relates to the field of data processing technology, and in particular, to a service processing method, apparatus, computer device, computer readable storage medium, and computer program product.

Background

With the development of information technology, a financial institution may provide a plurality of processing routes for processing a service of a user while processing the service of the user, so as to complete the service of the user through one of the processing routes.

However, if the user selects an unsuitable processing route, a processing failure is likely to occur; moreover, when the processing fails, the user can consult customer service, so that the operation cost of manual intervention is high.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a service processing method, apparatus, computer device, computer-readable storage medium, and computer program product that can reduce failure rate of service processing.

In a first aspect, the present application provides a service processing method, where the method includes:

acquiring target processing information of a target service and a preset route list corresponding to the target processing information;

determining a target processing route with highest priority in a preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time;

checking the available state of the target processing route according to the target processing information;

and when the target processing route is determined to be in an available state, processing the target service through the target processing route.

In one embodiment, the processing status information includes a target channel success rate, a target anomaly failure rate, and a target response time for each of the processing routes;

The determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time comprises the following steps:

determining processing cost information corresponding to each processing route in the preset route list according to the target processing information and the reference processing cost of each processing route in the preset route list;

obtaining success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list;

obtaining abnormal failure rate information corresponding to each processing route in the preset route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing route in the preset route list;

obtaining processing time consumption information corresponding to each processing route in the preset route list according to the target response time and the reference response time of each processing route in the preset route list;

determining the priority of each processing route in the preset route list according to the processing cost information, the success rate information, the abnormal failure rate information and the processing time consumption information corresponding to each processing route in the preset route list;

And determining the target processing route with the highest priority in the preset route list based on the priority of each processing route in the preset route list.

In one embodiment, the method further comprises:

when the target processing route is determined to be in an unavailable state, selecting a processing route with the next priority from the preset route list as the target processing route, and executing the step of checking the available state of the target processing route according to the target processing information until the target processing route is determined to be in the available state.

In one embodiment, the target channel success rate for each of the processing routes includes a channel success rate for at least one predetermined period of time;

the obtaining the success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list comprises the following steps:

and obtaining success rate information corresponding to each processing route in the preset route list according to the channel success rate of each processing route in the preset route list in at least one preset time period and the reference success rate.

In one embodiment, the target processing information includes a target service type, a target processing amount, a target used processing amount, a target certificate type, and a target service recipient of the target service;

and verifying the availability state of the target processing route according to the target processing information, wherein the verifying comprises the following steps:

acquiring a service processing time period corresponding to the target processing route;

when the current processing time is within a service processing time period corresponding to the target processing route, determining whether the target processing route supports the target service according to the target service type;

when the target processing route is determined to support the target service, obtaining channel quota control conditions of the target processing route;

when the channel quota control condition is determined to be met according to the target processing amount and the target used processing amount, acquiring a certificate type supported by the target processing route;

when the certificate type supported by the target processing route comprises the target certificate type, acquiring a service receiver supported by the target processing route;

and when the service receiver supported by the target processing route comprises the target service receiver, determining that the target processing route is in an available state.

In one embodiment, the target used processing credit includes a used single day credit, and the channel credit control condition includes a single day processing credit;

and determining that the channel quota control condition is met according to the target processing amount and the target used processing quota, wherein the method comprises the following steps:

and when the sum of the target processing amount and the used single-day quota is smaller than the single-day processing quota, determining that the channel quota control condition is met.

In a second aspect, the present application provides a service processing apparatus, the apparatus comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring target processing information of target business and a preset mail path list corresponding to the target processing information;

the route processing module is used for determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time;

the route verification module is used for verifying the available state of the target processing route according to the target processing information;

and the service processing module is used for processing the target service through the target processing route when the target processing route is determined to be in an available state.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:

According to the business processing method, the business processing device, the computer equipment, the storage medium and the computer program product, the target processing information of the target business and the preset route list corresponding to the target processing information are obtained, so that the target processing route with the highest priority in the preset route list is determined according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time, the selection of unsuitable processing routes for the target business of a user can be avoided, and the failure rate of business processing is reduced; the available state of the target processing route is checked through the target processing information, so that whether the target processing route is occupied by other businesses or not can be determined, the situation that the processing target business fails can be avoided, and the failure rate of business processing is reduced; furthermore, when the target processing route is determined to be in the available state, the success rate of service processing can be improved when the target service is processed through the target processing route.

Drawings

FIG. 1 is an application environment diagram of a business processing method in one embodiment;

FIG. 2 is a flow diagram of a business processing method in one embodiment;

FIG. 3 is a flow chart of determining a target processing route with the highest priority in a preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time in one embodiment;

FIG. 4 is a flow diagram of verifying the availability status of a target processing route based on target processing information in one embodiment;

FIG. 5 is a flow chart of a business processing method according to another embodiment;

FIG. 6 is a block diagram of a business processing device in one embodiment;

fig. 7 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.

The service processing method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process, and in this embodiment, the data storage system may store target processing information for the target service. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, and tablet computers, and the server 104 may be implemented as a stand-alone server or a server cluster composed of a plurality of servers.

Specifically, the terminal 102 obtains target processing information of the target service, and may send the target processing information to the server 104, so that the server 104 may obtain a preset route list corresponding to the target processing information according to the target processing information; the server 104 determines the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time; checking the available state of the target processing route according to the target processing information; and processing the target business through the target processing route when the target processing route is determined to be in the available state.

In one embodiment, as shown in fig. 2, a service processing method is provided, and the method is applied to the server 104 in fig. 1 for illustration, and includes the following steps:

s202, acquiring target processing information of a target service and a preset mail path list corresponding to the target processing information.

Wherein, the target business refers to a business related to a financial institution, the financial institution may include a bank and the like, and the target business may include an asset business, a payment settlement business and the like; for example, the asset transaction may include deposit and borrowing, and the payment settlement transaction may include transfer of money and money transfer, and the like.

In some embodiments, when a user transacts a target business at a financial institution, the financial institution may acquire target processing information of the target business of the user based on an input operation of the user; or when the user transacts the target business at the terminal corresponding to the financial institution, the terminal can acquire the target processing information of the target business.

The target processing information refers to service information required when processing the target service, and the target processing information can include a target service type of the target service, a target processing amount and the like; the target business type refers to a transaction type of the target business, and for example, the target business type may include loans, investments, and the like; the target processing amount refers to an amount at the time of the target business transaction, and for example, the target processing amount may include a loan amount, a transfer amount, and the like.

In some embodiments, the target processing information includes a target service type of the target service, and the preset route list corresponding to the target processing information may be obtained by obtaining a correspondence between the service type and the route list, according to the target service type and the correspondence between the service type and the route list.

In some embodiments, the target processing information includes a target transaction amount, and the preset route list corresponding to the target processing information may be obtained by obtaining a correspondence between the transaction amount and the route list, based on the target transaction amount and the correspondence between the transaction amount and the route list.

S204, determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time.

The current processing time refers to the time of triggering the target service by the user; the processing state information of each processing route in the preset route list corresponding to the current processing time refers to the state information of each processing route in the preset route list when the processing business is processed before the user triggers the target business; the processing route in the preset route list refers to a channel for completing the target service, for example, when the target service includes a payment settlement service or the like, the processing route is a payment route.

In some embodiments, the processing status information for each processing route may include a target channel success rate, a target anomaly failure rate, a target response time, and the like for each processing route; the target channel success rate of each processing route refers to the actual success rate of each processing route processing service, the target abnormal failure rate of each processing route refers to the actual failure rate of each processing route processing service in abnormal, and the target response time of each processing route refers to the actual processing time of each processing route processing service.

It can be understood that by combining the target processing information and the processing state information of each processing route in the preset route list, the target processing route with the highest priority in the preset route list can be determined, so that the matched target processing route can be selected for the target service of the user, thereby avoiding the selection of an unsuitable processing route for the target service of the user and reducing the failure rate of service processing.

S206, checking the available state of the target processing route according to the target processing information.

Wherein the available state of the target processing route refers to the business occupancy state of the target processing route; when the target processing route is occupied by other business, the target processing route is in an unavailable state; the target processing route is available when it is not occupied by other traffic. It can be understood that when the available state of the target processing route is checked by the target processing information, whether the target processing route is occupied by other services can be determined, so that the situation of processing failure of the target service can be avoided, and the failure rate of service processing is reduced.

And S208, when the target processing route is determined to be in the available state, processing the target service through the target processing route.

When the target processing route is determined to be in the available state, the target processing route is indicated to be not occupied by other services at present, so that the target service can be completed by processing the target processing route, and meanwhile, the situation that the processing of the target service fails can be avoided.

In summary, in the embodiment shown in fig. 2, by acquiring the target processing information of the target service and the preset route list corresponding to the target processing information, so as to determine the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time, it is possible to avoid selecting an unsuitable processing route for the target service of the user, and reduce the failure rate of service processing; the available state of the target processing route is checked through the target processing information, so that whether the target processing route is occupied by other businesses or not can be determined, the situation that the processing target business fails can be avoided, and the failure rate of business processing is reduced; furthermore, when the target processing route is determined to be in the available state, the success rate of service processing can be improved when the target service is processed through the target processing route.

In one embodiment, the processing status information of each processing route in the preset route list may include a target channel success rate, a target exception failure rate, and a target response time of each processing route; specifically, as shown in fig. 3, a flow chart for determining a target processing route with the highest priority in a preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time is provided, and the method is applied to the server 104 in fig. 1 for illustration, and may include the following steps:

s302, determining the corresponding processing cost information of each processing route in the preset route list according to the target processing information and the reference processing cost of each processing route in the preset route list.

The reference processing cost of each processing route refers to a preset service fee (such as a handling fee) paid by the service when each processing route processes the service, and the processing cost information corresponding to each processing route refers to actual service information of the processing route processing target service; the processing cost information corresponding to each processing route may include a processing cost factor of each processing route processing target service.

In some embodiments, the target processing information may include a target processing amount, and specifically, determining processing cost information corresponding to each processing route in the preset route list according to the target processing information and a reference processing cost of each processing route in the preset route list includes: and determining the processing cost information corresponding to each processing route in the preset route list according to the target processing amount and the reference processing cost.

Specifically, determining processing cost information corresponding to each processing route in the preset route list according to the target processing amount and the reference processing cost includes: acquiring channel charging modes corresponding to all processing routes in a preset route list; obtaining target processing cost corresponding to each processing route in a preset route list according to the channel charging mode and the target processing amount corresponding to each processing route; and determining the processing cost information corresponding to each processing route in the preset route list according to the target processing cost corresponding to each processing route and the reference processing cost of each processing route.

In some embodiments, taking as an example that the processing cost information corresponding to each processing route includes a processing cost factor corresponding to each processing route, the processing cost factor corresponding to each processing route = a reference processing cost for each processing route/a target processing cost for each processing route.

Specifically, the channel charging mode may include a mode of charging according to an amount interval where the processing amount is located, for example, the processing amount is 0 yuan to 5000 yuan, and the processing cost corresponding to the processing route is 3 yuan; the processing amount is 5001 yuan to 10000 yuan, and the processing cost corresponding to the processing route is 5 yuan; if the target processing amount is 3000 yuan, the target processing cost corresponding to the processing route is 3 yuan.

Specifically, the channel charging mode corresponding to each processing route may include a mode of charging according to the channel rate corresponding to each processing route, where the target processing cost corresponding to each processing route is the product of the channel rate corresponding to each processing route and the target processing amount; for example, if the channel rate for each processing route is 3% and the target processing amount is 3000 yuan, the target processing cost for each processing route is 9 yuan.

S304, obtaining the success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list.

The standard success rate of each processing route refers to the preset success rate of each processing route processing service, the target channel success rate of each processing route refers to the actual success rate of each processing route processing service, and the success rate information corresponding to each processing route refers to the corresponding proportion information when each processing route successfully processes the target service; the success rate information corresponding to each processing route may include a success rate factor corresponding to when each processing route successfully processes the target service.

S306, obtaining the abnormal failure rate information corresponding to each processing route in the preset route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing route in the preset route list.

The standard abnormal failure rate of each processing route refers to the failure rate of each processing route processing service, the target abnormal failure rate of each processing route refers to the actual failure rate of each processing route processing service abnormal, and the abnormal failure rate information corresponding to each processing route refers to the proportion information when each processing route processing target service fails; the abnormal failure rate information corresponding to each processing route may include an abnormal failure rate factor when each processing route fails to process the target service.

S308, obtaining the processing time consumption information corresponding to each processing route in the preset route list according to the target response time and the reference response time of each processing route in the preset route list.

The reference response time of each processing route refers to the preset processing time when each processing route processes the business, the target response time of each processing route refers to the actual processing time of each processing route processes the business, and the processing time-consuming information corresponding to each processing route refers to the time when each processing route successfully processes the target business; the processing time-consuming information corresponding to each processing route may include a processing time-consuming factor when each processing route successfully processes the target service.

S310, determining the priority of each processing route in the preset route list according to the processing cost information, the success rate information, the abnormal failure rate information and the processing time consumption information corresponding to each processing route in the preset route list.

In some embodiments, the processing cost information corresponding to each processing route may include a processing cost factor when each processing route successfully processes the target service, the success rate information corresponding to each processing route may include a success rate factor when each processing route successfully processes the target service, the abnormal failure rate information corresponding to each processing route may include an abnormal failure rate factor when each processing route successfully processes the target service, and the processing time consumption information corresponding to each processing route may include a processing time consumption factor when each processing route successfully processes the target service; the priority of each processing route in the preset route list can be determined by respectively weighting and summing the processing cost factor, the success rate factor, the abnormal failure rate factor and the processing time-consuming factor.

For example, the priority of each processing route in the preset route list=the success rate weight×the success rate factor corresponding to each processing route+the abnormal failure rate weight×the abnormal failure rate factor corresponding to each processing route+the processing time-consuming weight×the processing time-consuming factor corresponding to each processing route+the processing cost weight×the processing time-consuming factor corresponding to each processing route. The specific values of the weights corresponding to the processing routes may be obtained empirically or by experimental tests, and the embodiment is not limited specifically.

S312, determining the target processing route with the highest priority in the preset route list based on the priority of each processing route in the preset route list.

After determining the priority of each processing route in the preset route list, the priorities of the processing routes in the preset route list may be sorted in a descending order, so as to determine the first processing route in the preset route list as the target processing route.

To sum up, in the embodiment shown in fig. 3, the processing cost information corresponding to each processing route in the preset route list is determined by reference processing costs according to the target processing information and each processing route in the preset route list; obtaining success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list; obtaining abnormal failure rate information corresponding to each processing route in the preset route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing route in the preset route list; obtaining processing time-consuming information corresponding to each processing route in the preset route list according to the target response time and the reference response time of each processing route in the preset route list; the priority of each processing route in the preset route list is determined according to the processing cost information, the success rate information, the abnormal failure rate information and the processing time consumption information corresponding to each processing route in the preset route list, so that the target processing route with the highest priority in the preset route list is determined based on the priority of each processing route in the preset route list, the selection of unsuitable processing routes for target business of a user can be avoided, the situation of processing failure of the target business can be avoided, and the failure rate of business processing is reduced; furthermore, when the target processing route is determined to be in an available state and the target business is processed through the target processing route, the success rate of business processing can be improved; therefore, the problem of high operation cost caused by manual intervention when the service processing fails can be avoided.

In combination with the embodiments shown in fig. 2 and 3, in one embodiment, the service processing method may further include: when the target processing route is determined to be in an unavailable state, selecting the processing route with the next priority from the preset route list as the target processing route, and executing the step of checking the available state of the target processing route according to the target processing information until the target processing route is determined to be in the available state.

It will be appreciated that when the processing route with the highest priority in the preset route list is determined as the target processing route, if the target processing route is not available, the processing route with the next priority may be selected from the preset route list as the target route, and the processing route with the next priority is a processing route with a priority smaller than that corresponding to the current target processing route and greater than that corresponding to other processing routes, so that the processing procedure of the target service may be prevented from being interrupted, and the failure rate of service processing is reduced.

Based on the embodiment shown in fig. 3, in one embodiment, the target channel success rate of each processing route includes at least one channel success rate of a preset time period, and obtaining success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list includes: and obtaining the success rate information corresponding to each processing route in the preset route list according to the channel success rate of each processing route in the preset route list in at least one preset time period and the reference success rate. Wherein the preset time period may include at least one of: channel success rate for each treatment route per 1 minute, channel success rate for each treatment route per 10 minutes, channel success rate for each treatment route per 30 minutes, channel success rate for each treatment route per 1 hour, etc.

Specifically, taking the example that the success rate information corresponding to each processing route includes a success rate factor corresponding to each processing route, the channel success rate of the preset time period includes a channel success rate of each processing route per 1 minute, a channel success rate of each processing route per 10 minutes, and a channel success rate of each processing route per 30 minutes, the success rate factor corresponding to each processing route= ((channel success rate/reference success rate of each processing route per 1 minute) + (channel success rate/reference success rate of each processing route per 10 minutes) + (channel success rate/reference success rate of each processing route per 30 minutes))/3.

Similarly, the target abnormal failure rate of each processing route may include an abnormal failure rate of at least one preset time period, and further, according to the abnormal failure rate of each processing route in the preset route list in at least one preset time period and the reference abnormal failure rate, the abnormal failure rate information corresponding to each processing route in the preset route list may be obtained.

Specifically, taking the example that the abnormality failure rate information corresponding to each processing route includes abnormality failure rate factors corresponding to each processing route, the abnormality failure rate of the preset time period includes abnormality failure rate of each processing route per 1 minute, abnormality failure rate of each processing route per 10 minutes, and abnormality failure rate of each processing route per 30 minutes, abnormality failure rate factors corresponding to each processing route= ((reference abnormality failure rate/abnormality failure rate of each processing route per 1 minute) + (reference abnormality failure rate/abnormality failure rate of each processing route per 10 minutes) + (reference abnormality failure rate/abnormality failure rate of each processing route per 30 minutes))/3.

Similarly, the target response time of each processing route may include a response time of at least one preset time period, and further, the processing time consumption information corresponding to each processing route in the preset route list may be obtained according to the response time of each processing route in the preset route list in at least one preset time period and the reference response time.

Specifically, taking the example that the processing time-consuming information corresponding to each processing route includes a processing time-consuming factor corresponding to each processing route, the response time of the preset time period includes a response time of each processing route per 1 minute, a response time of each processing route per 10 minutes, and a response time of each processing route per 30 minutes, the processing time-consuming factor corresponding to each processing route= ((reference response time/response time of each processing route per 1 minute) + (reference response time/response time of each processing route per 10 minutes) + (reference response time/response time of each processing route per 30 minutes))/3.

It should be noted that, in the above-described related contents of the success rate factor, the abnormal failure rate factor, and the processing time-consuming factor corresponding to each processing route, the "3" is related to the number of the selected preset time periods.

In one embodiment, the target processing information may include a target service type, a target processing amount, a target used processing amount, a target certificate type, and a target service recipient for the target service; specifically, as shown in fig. 4, a flow chart for verifying the availability status of the target processing route according to the target processing information is provided, and the method is applied to the server 104 in fig. 1 for illustration, and may include the following steps:

s402, acquiring a service processing time period corresponding to the target processing route.

The service processing time period corresponding to the target processing route is used for indicating the time interval of the target processing route processing service, and when the processing time of the service is in the service processing time period corresponding to the target processing route, the success rate of the target processing route processing service can be ensured.

S404, when the current processing time is in the processing time period corresponding to the target processing route, determining whether the target processing route supports the target service according to the target service type.

When the current processing time is in the processing time period corresponding to the target processing route, the processing time of the target service is described to be in the channel available time interval of the target processing route, so that the success rate of the target processing route processing service can be ensured, and whether the target processing route supports the target service or not is further determined, so that the condition that the target processing route processing target service cannot be abnormal is ensured, and the failure rate of service processing is reduced.

In some embodiments, a correspondence between the service type and the processing route may be obtained, and further, based on the correspondence between the service type and the processing route, it may be determined whether the target processing route supports the target service; if the corresponding relation between the target processing route and the target service type is found in the corresponding relation between the service type and the processing route, the target processing route is determined to support the target service.

When the current processing time is not within the processing time period corresponding to the target processing route, determining that the target processing route is in an unavailable state; and when the current processing time is within the processing time period corresponding to the target processing route, but the target processing route does not support the target service, the target processing route is also in an unavailable state.

S406, when the target processing route is determined to support the target service, the channel quota control condition of the target processing route is acquired.

Wherein the channel quota control condition of the target processing route is used for indicating the resource limitation condition when the target processing route processes business, and the resource can comprise money and the like; for example, channel quota control conditions for a target processing route may include a single day processing quota, a single month processing quota, a single business processing quota, and the like.

S408, when the condition for controlling the channel quota is met according to the target processing amount and the target used processing quota, the certificate type supported by the target processing route is acquired.

Wherein the target processing amount refers to transaction amount when processing the target service, the target used processing amount refers to used transaction amount of the user triggering the target service, for example, the target used processing amount may include used single-day amount, used single-month amount and the like; in some embodiments, when the sum of the target processed amount and the target used processed amount meets a corresponding upper limit in the channel limit control condition, then it is determined that the channel limit control condition is met.

When it is determined that the channel quota control condition is not satisfied according to the target processing amount and the target used processing amount, the target processing route is in an unavailable state.

S410, when the certificate type supported by the target processing route comprises the target certificate type, acquiring the service receiver supported by the target processing route.

The target certificate type refers to the certificate type of a user triggering target service, and different processing routes support different certificate types; in some embodiments, it may be determined whether the target processing route supports the target credential type based on the correspondence of the processing route to the credential type; if the corresponding relation between the processing route and the certificate type is inquired that the target processing route has the corresponding relation with the target certificate type, the target certificate type can be determined to accord with the channel requirement of the target processing route.

Wherein, the business receiver supported by the target processing route refers to the business receiver when the target processing route processes business; for example, the target service is a transfer service, and when the user succeeds in transferring to bank B based on bank a, bank a corresponds to a target processing route, and bank B is a service receiver supported by the target processing route.

S412, when the service receiver supported by the target processing route comprises the target service receiver, determining that the target processing route is in an available state.

In some embodiments, it may be determined whether the target processing route supports the target service recipient based on the correspondence of the processing route to the service recipient; if the corresponding relation between the processing route and the service receiver is found, the service receiver supported by the processing route can be determined to include the target service receiver, that is, the service receiver supported by the processing route includes the target service receiver, and the processing route can be determined to be in an available state, that is, the processing route can be used for processing the target service.

In summary, in the embodiment shown in fig. 4, by combining the target processing information, it is verified in a progressive manner whether the target processing route is available for processing the target service, so as to reduce the failure rate of processing the target service by the target processing route, thereby avoiding the problem of high operation cost caused by manual intervention when the service processing fails.

In one embodiment, the target used processing amount includes a used single day amount, the channel limit control condition includes a single day processing limit, and specifically, determining that the channel limit control condition is satisfied based on the target processing amount and the target used processing amount includes: and when the sum of the target processing amount and the used single-day quota is smaller than the single-day processing quota, determining that the channel quota control condition is met. The method can ensure that the situation that the business processing fails due to the overage of the target processing amount does not occur when the target processing amount is transacted based on the target processing route by comparing the target processing amount, the used amount and the corresponding limit, thereby reducing the business processing failure rate.

Similarly, when the target used processing amount includes the used single month amount and the channel limit control condition includes the single month processing amount, determining that the channel limit control condition is satisfied according to the target processing amount and the target used processing amount includes: and determining that the channel quota control condition is met when the sum of the target processing amount and the used single month quota is smaller than the single month processing quota.

In combination with the foregoing, in one embodiment, taking the target service as the payment settlement service, each processing route in the corresponding preset route list is the payment route, the corresponding target processing information is the target transaction information, and the target transaction information includes the target service type, the target transaction amount, the target used transaction amount, the target certificate type and the target service receiver, which are exemplified, as shown in fig. 5, a flow diagram of a service processing method is provided, which is exemplified by the application of the method to the server 104 in fig. 1, and may include the following steps:

S502, acquiring target transaction information of a target service and a preset mail path list corresponding to the target transaction information;

s504, according to the target transaction information and the reference transaction cost, determining transaction cost information corresponding to each payment route in the preset route list.

S506, obtaining the success rate information corresponding to each payment route in the preset route list according to the channel success rates of each payment route in the preset route list in a plurality of preset time periods and the reference success rates.

S508, obtaining abnormal failure rate information corresponding to each payment route in the preset route list according to the abnormal failure rates and the standard abnormal failure rates of each payment route in the preset route list in a plurality of preset time periods.

S510, according to the response time and the reference response time of each payment route in the preset route list in a plurality of preset time periods, obtaining the processing time consumption information corresponding to each payment route in the preset route list.

S512, determining the priority of each payment route in the preset route list according to the processing cost information, the success rate information, the abnormal failure rate information and the processing time consumption information corresponding to each payment route in the preset route list.

S514, determining the target payment route with the highest priority in the preset route list based on the priority of each payment route in the preset route list.

S516, determining whether the current transaction time is within a transaction time period corresponding to the target payment route.

Wherein, when it is determined that the current transaction time is within the transaction time period corresponding to the target payment route, S518 is executed; upon determining that the current transaction time is not within the transaction period corresponding to the target payment route, S528 is performed.

S518, determining whether the target payment route supports the target service according to the target service type.

Wherein when it is determined that the target payment route supports the target service according to the target service type, S520 is performed; when it is determined that the target payment route does not support the target service according to the target service type, S528 is performed.

S520, determining whether the channel quota control condition is met according to the target transaction amount and the target used transaction quota.

Wherein when it is determined that the channel quota control condition is satisfied according to the target transaction amount and the target used transaction amount, S522 is performed; when it is determined that the channel quota control condition is not satisfied according to the target transaction amount and the target used transaction amount, S528 is performed.

S522, it is determined whether the certificate type supported by the target payment route includes the target certificate type.

Wherein when it is determined that the certificate type supported by the target payment route includes the target certificate type, S524 is performed; when it is determined that the certificate type supported by the target payment route does not include the target certificate type, S528 is performed.

S524, it is determined whether the service recipient supported by the target payment route includes the target service recipient.

Wherein when it is determined that the service recipient supported by the target payment route includes the target service recipient, S526 is performed; when it is determined that the service recipient supported by the target payment route does not include the target service recipient, S528 is performed.

S526, the target payment route is determined to be in an available state, and the target business is processed through the target payment route.

S528, the payment route of the next priority is selected from the preset route list as the target payment route, and S516 is performed.

The specific content of S502-S528 may be described with reference to the foregoing content adaptation descriptions, which are not repeated here.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a service processing device for implementing the service processing method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation in one or more embodiments of the service processing device provided below may refer to the limitation of the service processing method hereinabove, and will not be repeated herein.

In one embodiment, as shown in fig. 6, there is provided a service processing apparatus, including: an acquisition module 602, a route processing module 604, a route verification module 606, and a traffic processing module 608, wherein:

the acquiring module 602 is configured to acquire target processing information of a target service and a preset route list corresponding to the target processing information; the route processing module 604 is configured to determine, according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time, a target processing route with the highest priority in the preset route list; the route verification module 606 is configured to verify an available state of the target processing route according to the target processing information; and a service processing module 608, configured to process the target service through the target processing route when it is determined that the target processing route is in the available state.

In one embodiment, the processing status information includes a target channel success rate, a target anomaly failure rate, and a target response time for each processing route; the route processing module is further used for: determining processing cost information corresponding to each processing route in the preset route list according to the target processing information and the reference processing cost of each processing route in the preset route list; obtaining success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list; obtaining abnormal failure rate information corresponding to each processing route in the preset route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing route in the preset route list; obtaining processing time-consuming information corresponding to each processing route in the preset route list according to the target response time and the reference response time of each processing route in the preset route list; determining the priority of each processing route in the preset route list according to the processing cost information, the success rate information, the abnormal failure rate information and the processing time consumption information corresponding to each processing route in the preset route list; and determining the target processing route with the highest priority in the preset route list based on the priority of each processing route in the preset route list.

In one embodiment, the route verification module is further configured to: when the target processing route is determined to be in an unavailable state, selecting the processing route with the next priority from the preset route list as the target processing route, and executing the step of checking the available state of the target processing route according to the target processing information until the target processing route is determined to be in the available state.

In one embodiment, the target channel success rate for each processing route includes a channel success rate for at least one predetermined period of time; the route processing module is further used for: and obtaining the success rate information corresponding to each processing route in the preset route list according to the channel success rate of each processing route in the preset route list in at least one preset time period and the reference success rate.

In one embodiment, the target processing information includes a target service type, a target processing amount, a target used processing amount, a target certificate type, and a target service recipient of the target service; the route verification module is further configured to: acquiring a service processing time period corresponding to a target processing route; when the current processing time is within a service processing time period corresponding to the target processing route, determining whether the target processing route supports the target service according to the target service type; when the target processing route is determined to support the target service, obtaining channel quota control conditions of the target processing route; when the channel quota control condition is determined to be met according to the target processing amount and the target used processing amount, acquiring certificate types supported by the target processing route; when the certificate type supported by the target processing route comprises the target certificate type, acquiring a service receiver supported by the target processing route; when the service recipient supported by the target processing route includes the target service recipient, the target processing route is determined to be in an available state.

In one embodiment, the target used processing quota comprises a used single day quota, and the channel quota control condition comprises a single day processing quota; the route verification module is further configured to: and when the sum of the target processing amount and the used single-day quota is smaller than the single-day processing quota, determining that the channel quota control condition is met.

The respective modules in the above-described service processing apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 7. 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 includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing a reference success rate, a reference response time, a reference abnormal failure rate, a reference processing cost and the like. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a business processing method.

It will be appreciated by those skilled in the art that the structure shown in fig. 7 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than 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 stored therein a computer program, the processor when executing the computer program performing the steps of: acquiring target processing information of a target service and a preset route list corresponding to the target processing information; determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time; checking the available state of the target processing route according to the target processing information; and processing the target business through the target processing route when the target processing route is determined to be in the available state.

In one embodiment, the processing status information includes a target channel success rate, a target anomaly failure rate, and a target response time for each processing route; the processor when executing the computer program also implements the steps of: determining processing cost information corresponding to each processing route in the preset route list according to the target processing information and the reference processing cost of each processing route in the preset route list; obtaining success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list; obtaining abnormal failure rate information corresponding to each processing route in the preset route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing route in the preset route list; obtaining processing time-consuming information corresponding to each processing route in the preset route list according to the target response time and the reference response time of each processing route in the preset route list; determining the priority of each processing route in the preset route list according to the processing cost information, the success rate information, the abnormal failure rate information and the processing time consumption information corresponding to each processing route in the preset route list; determining a target processing route with the highest priority in the preset route list based on the priority of each processing route in the preset route list; the target processing route is the highest priority processing route in the preset route list.

In one embodiment, the processor when executing the computer program further performs the steps of: when the target processing route is determined to be in an unavailable state, selecting the processing route with the next priority from the preset route list as the target processing route, and executing the step of checking the available state of the target processing route according to the target processing information until the target processing route is determined to be in the available state.

In one embodiment, the target channel success rate for each processing route includes a channel success rate for at least one predetermined period of time; the processor when executing the computer program also implements the steps of: and obtaining the success rate information corresponding to each processing route in the preset route list according to the channel success rate of each processing route in the preset route list in at least one preset time period and the reference success rate.

In one embodiment, the target processing information includes a target service type, a target processing amount, a target used processing amount, a target certificate type, and a target service recipient of the target service; the processor when executing the computer program also implements the steps of: acquiring a service processing time period corresponding to a target processing route; when the current processing time is within a service processing time period corresponding to the target processing route, determining whether the target processing route supports the target service according to the target service type; when the target processing route is determined to support the target service, obtaining channel quota control conditions of the target processing route; when the channel quota control condition is determined to be met according to the target processing amount and the target used processing amount, acquiring certificate types supported by the target processing route; when the certificate type supported by the target processing route comprises the target certificate type, acquiring a service receiver supported by the target processing route; when the service recipient supported by the target processing route includes the target service recipient, the target processing route is determined to be in an available state.

In one embodiment, the target used processing quota comprises a used single day quota, and the channel quota control condition comprises a single day processing quota; the processor when executing the computer program also implements the steps of: and when the sum of the target processing amount and the used single-day quota is smaller than the single-day processing quota, determining that the channel quota control condition is met.

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: acquiring target processing information of a target service and a preset route list corresponding to the target processing information; determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time; checking the available state of the target processing route according to the target processing information; and processing the target business through the target processing route when the target processing route is determined to be in the available state.

In one embodiment, the processing status information includes a target channel success rate, a target anomaly failure rate, and a target response time for each processing route; the computer program when executed by the processor also performs the steps of: determining processing cost information corresponding to each processing route in the preset route list according to the target processing information and the reference processing cost of each processing route in the preset route list; obtaining success rate information corresponding to each processing route in the preset route list according to the target channel success rate and the reference success rate of each processing route in the preset route list; obtaining abnormal failure rate information corresponding to each processing route in the preset route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing route in the preset route list; obtaining processing time-consuming information corresponding to each processing route in the preset route list according to the target response time and the reference response time of each processing route in the preset route list; determining the priority of each processing route in the preset route list according to the processing cost information, the success rate information, the abnormal failure rate information and the processing time consumption information corresponding to each processing route in the preset route list; determining a target processing route with the highest priority in the preset route list based on the priority of each processing route in the preset route list; the target processing route is the highest priority processing route in the preset route list.

In one embodiment, the computer program when executed by the processor further performs the steps of: when the target processing route is determined to be in an unavailable state, selecting the processing route with the next priority from the preset route list as the target processing route, and executing the step of checking the available state of the target processing route according to the target processing information until the target processing route is determined to be in the available state.

In one embodiment, the target channel success rate for each processing route includes a channel success rate for at least one predetermined period of time; the computer program when executed by the processor also performs the steps of: and obtaining the success rate information corresponding to each processing route in the preset route list according to the channel success rate of each processing route in the preset route list in at least one preset time period and the reference success rate.

In one embodiment, the target processing information includes a target service type, a target processing amount, a target used processing amount, a target certificate type, and a target service recipient of the target service; the computer program when executed by the processor also performs the steps of: acquiring a service processing time period corresponding to a target processing route; when the current processing time is within a service processing time period corresponding to the target processing route, determining whether the target processing route supports the target service according to the target service type; when the target processing route is determined to support the target service, obtaining channel quota control conditions of the target processing route; when the channel quota control condition is determined to be met according to the target processing amount and the target used processing amount, acquiring certificate types supported by the target processing route; when the certificate type supported by the target processing route comprises the target certificate type, acquiring a service receiver supported by the target processing route; when the service recipient supported by the target processing route includes the target service recipient, the target processing route is determined to be in an available state.

In one embodiment, the target used processing quota comprises a used single day quota, and the channel quota control condition comprises a single day processing quota; the computer program when executed by the processor also performs the steps of: and when the sum of the target processing amount and the used single-day quota is smaller than the single-day processing quota, determining that the channel quota control condition is met.

In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, performs the steps of: acquiring target processing information of a target service and a preset route list corresponding to the target processing information; determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time; checking the available state of the target processing route according to the target processing information; and processing the target business through the target processing route when the target processing route is determined to be in the available state.

It should be noted that, user information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims

1. A method of service processing, the method comprising:

2. The method of claim 1, wherein the process status information includes a target channel success rate, a target anomaly failure rate, and a target response time for each of the process routes;

3. The method according to claim 2, wherein the method further comprises:

4. The method of claim 2 wherein the target channel success rate for each of said treatment routes comprises a channel success rate for at least one predetermined period of time;

5. The method of claim 1, wherein the target processing information includes a target service type, a target processing amount, a target used processing amount, a target certificate type, and a target service recipient for the target service;

6. The method of claim 5, wherein the target used processing quota comprises a used single day quota, and the channel quota control condition comprises a single day processing quota;

7. A service processing apparatus, the apparatus comprising:

8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.

9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.

10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.