CN108009910A - Bank's remittance road monitoring method, system and computer-readable recording medium - Google Patents

Bank's remittance road monitoring method, system and computer-readable recording medium Download PDF

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Publication number
CN108009910A
CN108009910A CN201711121359.4A CN201711121359A CN108009910A CN 108009910 A CN108009910 A CN 108009910A CN 201711121359 A CN201711121359 A CN 201711121359A CN 108009910 A CN108009910 A CN 108009910A
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China
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road
bank
remittance
monitored
remittance road
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Inventor
曾金龙
李晶
彭荣杰
向俊
杜铁涛
陈群辉
李鸣
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WeBank Co Ltd
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WeBank Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
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  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

The invention discloses a kind of bank remittance road monitoring method, system and computer-readable recording medium, the method comprising the steps of:After the monitoring instruction for detecting monitoring bank's remittance road to be monitored is triggered, according to the transaction stroke count on monitoring instruction acquisition bank's remittance road to be monitored;If the exception in transaction stroke count is merchandised, stroke count is more than predetermined threshold value, it is determined that remittance road to be monitored is disabling remittance road, and determines whether there is spare remittance road according to remittance road selection strategy;If there are spare remittance road, bank's remittance road to be monitored is closed, and by the service switching in bank to be monitored remittance road into spare remittance road.The present invention realizes the abnormal transaction stroke count by monitoring some bank remittance road, to monitor whether bank's remittance road is in down state, with the timely bank's remittance road found in down state, close bank's remittance road for being in down state, by the service switching in bank's remittance road in down state into spare remittance road, avoid causing unnecessary loss to bank.

Description

Bank's remittance road monitoring method, system and computer-readable recording medium
Technical field
The present invention relates to financial technology field, more particularly to a kind of bank remittance road monitoring method, system and computer can Read storage medium.
Background technology
With the development of banking, different business uses different bank's remittance roads.In process of exchange, if there is silver When row system exception, change banking system or upgrading banking system, bank's remittance disabled situation in road can be caused to go out It is existing.However, since the factor for influencing bank's remittance road availability is more, the influence degree of various factors is different, therefore bank cannot The road of discovery remittance in time is in down state, i.e., cannot find to converge road in time as disabling remittance road.And when the remittance road of bank is in During down state, the Fail Transaction in the remittance road can be caused, so as to cause loss of bank.
The content of the invention
It is a primary object of the present invention to provide a kind of bank's remittance road monitoring method, system and computer-readable storage medium Matter, it is intended to solve the technical problem on the existing bank's remittance road that cannot be found in time in down state.
To achieve the above object, the present invention provides a kind of bank's remittance road monitoring method, bank's remittance road monitoring method bag Include step:
After the monitoring instruction for detecting monitoring bank's remittance road to be monitored is triggered, according to the monitoring instruction acquisition The transaction stroke count on bank's remittance road to be monitored;
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Remittance road, and spare remittance road is determined whether there is according to remittance road selection strategy;
If there are the spare remittance road, bank's remittance road to be monitored is closed, and by bank's remittance road to be monitored Service switching to it is described it is spare remittance road in.
Preferably, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to wait to supervise Kong Hui roads for disabling converge road, and according to converge road selection strategy determine whether there is it is spare remittance road the step of before, further include:
After the maintenance instruction for safeguarding bank's remittance road is detected, determined to safeguard that bank to be safeguarded converges according to the maintenance instruction The maintenance model on road;
According to it is described safeguard model maintenance described in bank to be safeguarded converge road, it is available in road to determine that the bank to be safeguarded converges Remittance road and disabling remittance road;
According to road and the disabling remittance road generation remittance road selection strategy of using foreign currency.
Preferably, it is if described there are the spare remittance road, close the bank to be monitored and converge road, and will be described to be monitored After the step in service switching to the spare remittance road in bank's remittance road, further include:
Perform detection transactional operation in the bank to be monitored converges road, and detect the detection transactional operation it is continuous into Whether work(stroke count, which is more than, is preset successfully stroke count;
If the continuous success stroke count is more than the default success stroke count, bank's remittance road to be monitored is restarted, And by the service switching in the spare remittance road into bank's remittance road to be monitored.
Preferably, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to wait to supervise Kong Hui roads for disabling converge road, and according to converge road selection strategy determine whether there is it is spare remittance road the step of include:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Remittance road, and obtain the run time on bank's remittance road to be monitored;
Judge whether the run time is more than preset duration;
If the run time is more than the preset duration, spare remittance is determined whether there is according to remittance road selection strategy Road.
Preferably, it is described judge the step of whether run time is more than preset duration after, further include:
If the run time is less than or equal to the preset duration, forbids performing and close bank's remittance to be monitored The operation on road.
Preferably, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to wait to supervise Kong Hui roads for disabling converge road, and according to converge road selection strategy determine whether there is it is spare remittance road the step of include:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Converge road, and if the bank to be monitored to converge the corresponding transaction business in road be pre-set business, calculate bank's remittance road to be monitored In Fail Transaction rate;
If the Fail Transaction rate is more than default mortality, spare remittance is determined whether there is according to remittance road selection strategy Road.
Preferably, it is if described there are the spare remittance road, close the bank to be monitored and converge road, and will be described to be monitored The step in service switching to the spare remittance road in bank's remittance road includes:
If there are the spare remittance road, it is determined whether there are multiple spare remittance roads;
If only existing a spare remittance road, the service switching that the bank to be monitored is converged in road is to described spare In remittance road;
If there are multiple spare remittance roads, it is determined that in multiple spare remittance roads the road of using foreign currency of highest priority, By in the spare remittance road of the service switching in bank's remittance road to be monitored to highest priority.
Preferably, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to wait to supervise Kong Hui roads for disabling converge road, and according to converge road selection strategy determine whether there is it is spare remittance road the step of after, further include:
If do not forbid performing the operation for closing bank's remittance road to be monitored, and export institute there are the spare remittance road State bank to be monitored and converge road in the presence of abnormal warning information.
In addition, to achieve the above object, the present invention also provides a kind of bank remittance road monitoring system, bank's remittance road monitoring System includes memory, processor and is stored in the bank's remittance road monitoring that can be run on the memory and on the processor Program, bank's remittance road monitoring programme realize the step of bank's remittance road monitoring method as described above when being performed by the processor Suddenly.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer-readable recording medium Bank's remittance road monitoring programme is stored with storage medium, the bank, which converges when road monitoring programme is executed by processor, realizes as above institute The step of bank's remittance road monitoring method stated.
The present invention according to the monitoring by after the monitoring instruction for detecting monitoring bank's remittance road to be monitored is triggered, referring to Order obtains the transaction stroke count on bank's remittance road to be monitored;If the abnormal transaction stroke count in the transaction stroke count is more than default threshold It is worth, it is determined that the remittance road to be monitored is disabling remittance road, and determines whether there is spare remittance road according to remittance road selection strategy;If deposit On the spare remittance road, then bank's remittance road to be monitored is closed, and by the service switching in bank's remittance road to be monitored extremely In the spare remittance road.The abnormal transaction stroke count by monitoring some bank remittance road is realized, whether to monitor bank remittance road In down state, to find disabling remittance road in bank's remittance road in time, i.e., find that the bank for being in down state converges in time Road, closes bank that this is in down state and converges road, and the service switching bank in down state converged in road is to standby Use foreign currency in road, avoid causing unnecessary loss to bank.
Brief description of the drawings
Fig. 1 is the structure diagram for the hardware running environment that the embodiment of the present invention is related to;
Fig. 2 is the flow diagram of bank of the present invention remittance road monitoring method first embodiment;
Fig. 3 is the flow diagram of bank of the present invention remittance road monitoring method 3rd embodiment;
If Fig. 4, which is the abnormal transaction stroke count in the embodiment of the present invention in the transaction stroke count, is more than predetermined threshold value, it is determined that The remittance road to be monitored is disabling remittance road, and a kind of flow signal on spare remittance road is determined whether there is according to remittance road selection strategy Figure.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The solution of the embodiment of the present invention is mainly:When the monitoring instruction for detecting monitoring bank's remittance road to be monitored is touched After hair, the transaction stroke count on bank's remittance road to be monitored is obtained according to the monitoring instruction;If the exception in the transaction stroke count Transaction stroke count be more than predetermined threshold value, it is determined that it is described it is to be monitored remittance road for disabling converge road, and according to remittance road selection strategy determine be It is no that there are spare remittance road;If there are the spare remittance road, close the bank to be monitored and converge road, and by the bank to be monitored Service switching in remittance road is into the spare remittance road.To solve the existing bank's remittance that cannot be found in time in down state The problem of road.
As shown in Figure 1, the structure diagram for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to.
It should be noted that Fig. 1 can be the structure diagram of the hardware running environment of bank's remittance road monitoring system.This hair Bright embodiment bank remittance road monitoring system can be the terminal device such as PC, pocket computer.
As shown in Figure 1, bank remittance road monitoring system can include:Processor 1001, such as CPU, network interface 1004, Memory 1005, communication bus 1002.Wherein, communication bus 1002 is used for realization the connection communication between these components.Network Interface 1004 can optionally include standard wireline interface and wireless interface (such as WI-FI interfaces).Memory 1005 can be high Fast RAM memory or the memory of stabilization (non-volatile memory), such as magnetic disk storage.Memory The 1005 optional storage devices that can also be independently of aforementioned processor 1001.
Alternatively, bank's remittance road monitoring system can also include camera, RF (Radio Frequency, radio frequency) circuit, Sensor, voicefrequency circuit, WiFi module etc..
It will be understood by those skilled in the art that the bank's remittance road monitoring system structure shown in Fig. 1 is not formed to bank The restriction of remittance road monitoring system, can include than illustrating more or fewer components, either combine some components or different Component is arranged.
As shown in Figure 1, as operating system and silver can be included in a kind of memory 1005 of computer-readable storage medium Hang Hui roads monitoring programme.Wherein, operating system is the program of management and control bank remittance road monitoring system hardware and software resource, Support the operation of bank's remittance road monitoring programme and other softwares or program.
In the bank shown in Fig. 1 converges road monitoring system, network interface 1004 is mainly used for connecting other banking systems, with Obtain the transaction stroke count on each bank's remittance road;And processor 1001 can be used for calling the bank's remittance road stored in memory 1005 Monitoring programme, and perform following operation:
After the monitoring instruction for detecting monitoring bank's remittance road to be monitored is triggered, according to the monitoring instruction acquisition The transaction stroke count on bank's remittance road to be monitored;
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Remittance road, and spare remittance road is determined whether there is according to remittance road selection strategy;
If there are the spare remittance road, bank's remittance road to be monitored is closed, and by bank's remittance road to be monitored Service switching to it is described it is spare remittance road in.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat Before the step of monitoring and converge road for disabling remittance road, and spare remittance road is determined whether there is according to remittance road selection strategy, processor 1001 can be also used for calling the bank's remittance road monitoring programme stored in memory 1005, and perform following steps:
After the maintenance instruction for safeguarding bank's remittance road is detected, determined to safeguard that bank to be safeguarded converges according to the maintenance instruction The maintenance model on road;
According to it is described safeguard model maintenance described in bank to be safeguarded converge road, it is available in road to determine that the bank to be safeguarded converges Remittance road and disabling remittance road;
According to road and the disabling remittance road generation remittance road selection strategy of using foreign currency.
Further, if described there are the spare remittance road, bank's remittance road to be monitored is closed, and wait to supervise by described After controlling the step in service switching to the spare remittance road in bank's remittance road, processor 1001 can be also used for calling storage The bank's remittance road monitoring programme stored in device 1005, and perform following steps:
Perform detection transactional operation in the bank to be monitored converges road, and detect the detection transactional operation it is continuous into Whether work(stroke count, which is more than, is preset successfully stroke count;
If the continuous success stroke count is more than the default success stroke count, bank's remittance road to be monitored is restarted, And by the service switching in the spare remittance road into bank's remittance road to be monitored.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat The step of monitoring and converge road for disabling remittance road, and determining whether there is spare remittance road according to remittance road selection strategy includes:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Remittance road, and obtain the run time on bank's remittance road to be monitored;
Judge whether the run time is more than preset duration;
If the run time is more than the preset duration, spare remittance is determined whether there is according to remittance road selection strategy Road.
Further, it is described judge the step of whether run time is more than preset duration after, processor 1001 also It can be used for calling the bank's remittance road monitoring programme stored in memory 1005, and perform following steps:
If the run time is less than or equal to the preset duration, forbids performing and close bank's remittance to be monitored The operation on road.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat The step of monitoring and converge road for disabling remittance road, and determining whether there is spare remittance road according to remittance road selection strategy includes:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Converge road, and if the bank to be monitored to converge the corresponding transaction business in road be pre-set business, calculate bank's remittance road to be monitored In Fail Transaction rate;
If the Fail Transaction rate is more than default mortality, spare remittance is determined whether there is according to remittance road selection strategy Road.
Further, if described there are the spare remittance road, bank's remittance road to be monitored is closed, and wait to supervise by described The step in service switching to the spare remittance road in control bank remittance road includes:
If there are the spare remittance road, it is determined whether there are multiple spare remittance roads;
If only existing a spare remittance road, the service switching that the bank to be monitored is converged in road is to described spare In remittance road;
If there are multiple spare remittance roads, it is determined that in multiple spare remittance roads the road of using foreign currency of highest priority, By in the spare remittance road of the service switching in bank's remittance road to be monitored to highest priority.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat After the step of monitoring and converge road for disabling remittance road, and spare remittance road is determined whether there is according to remittance road selection strategy, processor 1001 can be also used for calling the bank's remittance road monitoring programme stored in memory 1005, and perform following steps:
If do not forbid performing the operation for closing bank's remittance road to be monitored, and export institute there are the spare remittance road State bank to be monitored and converge road in the presence of abnormal warning information.
Based on above-mentioned hardware configuration, each embodiment of proposition bank remittance road monitoring method.
With reference to Fig. 2, Fig. 2 is the flow diagram of bank of the present invention remittance road monitoring method first embodiment.
In the present embodiment, there is provided the embodiment of bank's remittance road monitoring method is, it is necessary to illustrate, although in flow chart In show logical order, but in some cases, can be to perform shown or described step different from order herein Suddenly.
In the present embodiment, bank converges road monitoring method applied in bank's remittance road monitoring system, and bank's remittance road is supervised Prosecutor method includes:
Step S10, after the monitoring instruction for detecting monitoring bank's remittance road to be monitored is triggered, instructs according to the monitoring Obtain the transaction stroke count on bank's remittance road to be monitored.
After monitoring that the monitoring instruction for monitoring bank's remittance road to be monitored is triggered, obtained according to monitoring instruction to be monitored The transaction stroke count on bank's remittance road.In the present embodiment, monitoring instruction is touched as the timed task that bank converges set by the monitoring system of road Hair, such as may be configured as once monitoring instruction at interval of 5 minutes or triggering in 10 minutes.It is understood that the monitoring instructs Also can be triggered manually by the staff of bank's remittance road monitoring system.The friendship on bank's remittance road to be monitored is being obtained according to monitoring instruction During easy stroke count, the transaction stroke count in certain period of time is only obtained, which can be set according to specific needs.As obtain from Current time is started at, before transaction stroke count in 30 minutes or 45 minutes.If current time is 26 days 14 October in 2017 Point then obtains 26 days 13 October in 2017, it is necessary to obtain the transaction stroke count of 30 minutes:30 points to 2017 14 points of October 26 day this Transaction stroke count in 30 minutes.
Further, can be according to advance during the transaction stroke count on bank's remittance road to be monitored is obtained according to monitoring instruction The monitoring strategies set obtain transaction stroke count.Wherein, in monitoring strategies, the transaction stroke count institute of required acquisition has been set Abnormal type of transaction etc. in corresponding product, the temporal frequency of acquisition transaction stroke count, transaction stroke count.Obtain the time of transaction stroke count Frequency is per the interval time between the corresponding timed task of the instruction of triggering monitoring twice.Pass through set abnormal type of transaction It may know that the abnormal transaction stroke count in transaction stroke count.
Step S20, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance to be monitored Road is disabling remittance road, and determines whether there is spare remittance road according to remittance road selection strategy.
After the transaction stroke count on bank's remittance road to be monitored is got, abnormal transaction pen is determined in acquired transaction stroke count Number, and judge whether abnormal transaction stroke count is more than predetermined threshold value.If abnormal transaction stroke count is more than predetermined threshold value, it is determined that to be monitored Converge road for disabling converge road, that is, determine it is to be monitored remittance road for disabling converge road, and according to converge road selection strategy determine whether there is it is spare Remittance road.The road it is understood that spare remittance Lu Weike uses foreign currency.By converging road selection strategy, it is known that bank converge in road can Use foreign currency road and disabling converge road.Predetermined threshold value can be set according to specific needs, such as may be configured as 30,100 or 250 etc..
Further, if the abnormal transaction stroke count in transaction stroke count is less than or equal to predetermined threshold value, detection monitoring is treated Whether the monitoring instruction on monitoring bank remittance road is triggered.
Further, step S20 includes:
Step a, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored Converge road for disabling, and if the bank to be monitored to converge the corresponding transaction business in road be pre-set business, calculate the silver to be monitored Fail Transaction rate in Hang Hui roads;
Step b, if the Fail Transaction rate is more than default mortality, determines whether there is standby according to remittance road selection strategy Use foreign currency road.
Further, if the abnormal transaction stroke count in transaction stroke count is more than predetermined threshold value, it is determined that remittance road to be monitored is to prohibit Use foreign currency road, and if bank to be monitored to converge the corresponding transaction business in road be pre-set business, calculate the friendship in bank's remittance road to be monitored Easy mortality.Pre-set business is the business scenario pre-set, is set according to the characteristic of the business corresponding product.As worked as certain The corresponding business of the product is then arranged to default industry by a product when the trading volume during bank to be monitored converges road is more than certain value Business.In specific implementation process, the mark of feature can be added in the corresponding product of pre-set business, to identify pre-set business.
Specifically, it is determined that Fail Transaction stroke count in transaction stroke count, the business for calculating Fail Transaction stroke count between stroke count of merchandising Value, to obtain the Fail Transaction rate in bank's remittance road to be monitored.After Fail Transaction rate is calculated, whether Fail Transaction rate is judged More than default mortality.If Fail Transaction rate is more than default mortality, determined whether there is according to remittance road selection strategy spare Remittance road;If Fail Transaction rate is less than or equal to default mortality, the monitoring instruction that detection monitors bank's remittance road to be monitored is It is no to be triggered.Wherein, default mortality can be set according to specific needs, such as may be configured as 65%, 73% or 80% etc..
It should be noted that in embodiments of the present invention, Fail Transaction is simultaneously merchandised not equal to abnormal.Such as when user is due to silver Row card in Sorry, your ticket has not enough value, or input bank card number mistake, and cause to transfer accounts failure when, belong to Fail Transaction scene at this time, And it is not belonging to abnormal transaction scene.I.e. abnormal transaction scene belongs to Fail Transaction scene, but some Fail Transaction scenes are not Abnormal transaction scene.It follows that Fail Transaction stroke count is more than or equal to abnormal transaction stroke count.Fail Transaction scene and exception Transaction scene is pre-set.
Step S30, if there are the spare remittance road, closes the bank to be monitored and converges road, and by the silver to be monitored Service switching in Hang Hui roads is into the spare remittance road.
If there are spare remittance road, bank's remittance road to be monitored is closed, and by the service switching in bank to be monitored remittance road extremely In spare remittance road.
Further, due to the transaction stroke count that continuously obtains several times, there may be repeat.Such as when obtaining transaction stroke count Between frequency be 5 minutes, each time obtain 30 minutes in transaction stroke count, then have 25 points in front and rear transaction stroke count acquired twice Transaction stroke count corresponding to clock time is to repeat.Therefore before bank's remittance road to be monitored is closed, the silver to be monitored is first judged Whether Hang Hui roads have been switched off.If bank's remittance road to be monitored is not turned off, bank's remittance road to be monitored is closed.It is to be monitored when closing Bank converges behind road, exports prompt message, to prompt bank's remittance road to be monitored to be closed;If bank's remittance road to be monitored is turned off, The out code for closing bank's remittance road to be monitored is then no longer performed, and exports prompt message, has prompted the bank to be monitored to converge road Through closing, the prompt message of bank's remittance road failure to be monitored is closed to avoid appearance, avoids repeating to close bank's remittance road to be monitored Situation occur.
Further, step S30 includes:
Step c, if there are the spare remittance road, it is determined whether there are multiple spare remittance roads.
Step d, if only existing a spare remittance road, by the service switching in bank's remittance road to be monitored to institute State in spare remittance road.
Step e, if there are multiple spare remittance roads, it is determined that highest priority is available in multiple spare remittance roads Remittance road, by the spare remittance road of the service switching in bank's remittance road to be monitored to highest priority.
Further, if there are spare remittance road, it is determined whether there are multiple spare remittance roads.If only exist a spare remittance Road, then by the service switching in bank to be monitored remittance road into unique spare remittance road.If there are multiple spare remittance roads, it is determined that The priority on each spare remittance road, to determine the spare remittance road of highest priority in spare remittance road.On definite multiple spare remittance roads Behind the spare remittance road of middle highest priority, by the service switching in bank to be monitored remittance road to the spare remittance road of highest priority In.
The present embodiment by when detect monitor bank to be monitored converge the monitoring instruction on road be triggered after, according to the monitoring Instruction obtains the transaction stroke count on bank's remittance road to be monitored;If the abnormal transaction stroke count in the transaction stroke count is more than default threshold It is worth, it is determined that the remittance road to be monitored is disabling remittance road, and determines whether there is spare remittance road according to remittance road selection strategy;If deposit On the spare remittance road, then bank's remittance road to be monitored is closed, and by the service switching in bank's remittance road to be monitored extremely In the spare remittance road.The abnormal transaction stroke count by monitoring some bank remittance road is realized, to monitor whether bank's remittance road is located In down state, to find to disable remittance road in time in bank's remittance road, i.e., find to be in bank's remittance road of down state in time, Bank's remittance road for being in down state is closed, by the service switching in bank's remittance road in down state to spare remittance Lu Zhong, avoids causing unnecessary loss to bank.
Further, bank's remittance road monitoring method further includes:
Step f, if do not forbid performing the operation for closing bank's remittance road to be monitored there are the spare remittance road, and Export the bank to be monitored and converge road in the presence of abnormal warning information.
If do not forbid performing the operation for closing bank's remittance road to be monitored, and export bank to be monitored there are spare remittance road Road converge in the presence of abnormal warning information, to prompt corresponding staff bank's remittance road to be monitored that there are different according to warning information Often.By in the case of not there are spare remittance road, not closing bank's remittance road to be monitored, only exporting corresponding warning information, keep away Exempt from the case of there is no spare remittance road, unique remittance road of depositing in the bank is closed, is resulted in greater loss to bank.
Further, bank's remittance road monitoring method second embodiment of the present invention is proposed.
The difference of bank's remittance road monitoring method second embodiment and bank remittance road monitoring method first embodiment It is, bank's remittance road monitoring method further includes:
Step h, after the maintenance instruction for safeguarding bank's remittance road is detected, determines to safeguard and waits to safeguard according to the maintenance instruction The maintenance model on bank's remittance road.
After the maintenance instruction for safeguarding bank's remittance road is detected, determined to safeguard bank's remittance road to be safeguarded according to the maintenance instruction Maintenance model.Wherein, maintenance instruction can be triggered by maintenance personnel;The timed task of maintenance is may also set up, is tieed up with clocked flip Finger shield makes;Or when monitoring bank remittance road in the presence of exception, trigger maintenance instruction.If the maintenance instruction is triggered by maintenance personnel , then select different maintenance models as needed by maintenance personnel;If maintenance instruction is automatic by bank's remittance road monitoring system Triggering, then determine to safeguard that model is write from memory for maintenance model either bank's remittance road monitoring system that maintenance personnel pre-sets The maintenance model recognized.
In the present embodiment, there are the maintenance model of polymorphic type various dimensions multi-source, to meet different maintenance scenes, carry For a variety of maintenance services.Safeguard that model can carry out three kinds of classification, the first is to safeguard type according to remittance road to classify, and can be divided into window Mouth safeguards model and state-maintenance model.In window safeguards model, set some bank converge road some period into Row safeguards that bank remittance road is in down state within the period.During specific embodiment, a bank converges road can Multiple window phases are set, that is, multiple maintenance time sections are set.If the window phase on A banks remittance road is period 1 and period 2, Then within period 1 and period 2, A banks remittance road is in down state, belongs to disabling remittance road.In state-maintenance model, If monitoring, the transaction data on some bank remittance road meets the terms of trade on disabling remittance road, such as detects the friendship on some bank remittance road When easy mortality is more than preset value, then the state on bank remittance road is revised as down state from upstate, makes the bank Remittance road becomes disabling remittance road.
Second is classified according to road latitude is converged, and can be divided into product remittance road model, bank's remittance road model and the road latitude that converges Model.Product converges road model after maintenance instruction is triggered, only to be carried out to specific one or the corresponding road of converging of multiple products Safeguard, i.e., the only corresponding road of converging of specific products belongs to disabling remittance road.Bank converge road model be after maintenance instruction is triggered, it is only right The remittance road of one or more specific bank is safeguarded, such as only safeguards the remittance road on the remittance road, at this time China Merchants Bank of China Merchants Bank For disabling remittance road.The road latitude model that converges is after maintenance instruction is triggered, and only one or more specific bank remittance road is tieed up Protect, such as only safeguard Unionpay's remittance road, at this time, the Unionpay of all banks converges road all in down state, belongs to disabling remittance road.
The third is to safeguard source according to remittance road to classify, and can be divided into manual maintenance and system maintenance.Manual maintenance refers to Maintenance personnel needs to be serviced according to business, or receive safeguard message after safeguarded accordingly.System maintenance is Refer to when meeting certain condition, when bank's remittance road monitoring system is safeguarded automatically.As when the Fail Transaction on some bank remittance road When rate is more than preset value, some bank converges the position on road when being less than default position, or when some bank converge road occur it is abnormal, no Can normal service situations such as when occurring, can automatically be safeguarded when bank converges road monitoring system, make to meet that the bank of condition converges road and becomes Disabling remittance road.
It should be noted that disabling remittance road is in down state, for the bank's remittance road being turned off.
Step i, according to it is described safeguard model maintenance described in bank to be safeguarded converge road, determine that the bank to be safeguarded converges in road Use foreign currency road and disabling converge road.
Step j, according to road and the disabling remittance road generation remittance road selection strategy of using foreign currency.
After determining to safeguard model, safeguard model maintenance bank's remittance road to be safeguarded according to identified, determine to wait to safeguard silver Use foreign currency road and disabling remittance road in Hang Hui roads.It is understood that when some bank remittance road is in maintenance state, the bank Road converge for disabling remittance road.When determine wait safeguard bank converge road in use foreign currency road and disabling converge road after, according to road and the taboo of can using foreign currency Use foreign currency road generation converge road selection strategy.In the remittance road selection strategy generated, bank is distinguished and converges Lu Zhongke and used foreign currency road and taboo Use foreign currency road, subsequently according to converge road selection strategy selection bank converge road when, selection can only can use foreign currency road.
In order to distinguish bank converge road in use foreign currency road and disabling converge road, can be can use foreign currency road and disabling remittance road setting it is different Remittance line, the remittance line on the road that can use foreign currency can such as be arranged to 00, disabling converges the remittance line on road and is arranged to 11.It can use foreign currency The road concrete form for converging line corresponding with disabling remittance road is not limited herein, as long as can distinguish available in bank's remittance road Remittance road and disabling remittance road.
The present embodiment according to safeguard model determine bank converge road in use foreign currency road and disabling converge road, with determine converge road selection Strategy, in order to which corresponding countermeasure is made on use foreign currency road and the disabling remittance road in its bank remittance road, dynamically to adjust Bank's remittance road strategy, avoids Fail Transaction, lifting transaction success rate, and lifting user experience (such as works as whole banks of some bank When the Lu Douwei that converges disables remittance road, gray card operation is carried out to its headend equipment, such as makes its ATM (Automatic Teller Machine, ATM) machine shows that the bank wouldn't support to merchandise).
Further, bank's remittance road monitoring method 3rd embodiment of the present invention is proposed.
The difference of bank's remittance road monitoring method 3rd embodiment and bank remittance road monitoring method second embodiment It is, with reference to Fig. 3, bank's remittance road monitoring method further includes:
Step S40, detection transactional operation is performed in the bank to be monitored converges road, and detects the detection transactional operation Continuous success stroke count whether be more than and preset successfully stroke count.
After bank's remittance road to be monitored is closed, detection transactional operation is performed in bank to be monitored converges road, calculating performs spy The easy-operating continuous success stroke count of test cross, and whether the continuous success stroke count for detecting detection transactional operation is more than and presets successfully pen Number.Presetting successfully stroke count can be set according to specific needs, can such as set 3 times, 4 times or 6 inferior.
Further, performed after preset duration is spaced and once detect transactional operation, which can be according to specific need Want and set, be not limited herein.
Step S50, if the continuous success stroke count is more than the default success stroke count, restarts the silver to be monitored Hang Hui roads, and by the service switching in the spare remittance road into bank's remittance road to be monitored.
If the continuous success stroke count of detection transactional operation, which is more than, presets successfully stroke count, reopen the bank to be monitored and converge Road, and the business in spare remittance road is back switched in the bank to be monitored remittance road of the restarting, make the bank to be monitored Remittance road becomes the road that can use foreign currency from disabling remittance road.Further, if the continuous success stroke count of detection transactional operation is less than or equal to Successfully stroke count is preset, then continues to perform detection transactional operation in the bank to be monitored being turned off converges road.
The present embodiment in bank to be monitored converges road by after closing bank to be monitored converges road, performing and detecting the behaviour that merchandises Work, when the continuous success stroke count for detecting transactional operation, which is more than, presets successfully stroke count, restarts bank's remittance road to be monitored.Realize When bank converge road occur abnormal when, the bank of timely abnormal detection converges the availability on road, when availability is met the requirements, Recover bank remittance road in time, avoid the abnormal bank of appearance and converge road always to disable remittance road, or be for a long time disabling remittance Road.
Further, bank's remittance road monitoring method fourth embodiment of the present invention is proposed.
The difference of bank's remittance road monitoring method fourth embodiment and bank remittance road monitoring method first embodiment It is, is further included with reference to Fig. 4, step S20:
Step S21, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance to be monitored Road is disabling remittance road, and obtains the run time on bank's remittance road to be monitored.
After the transaction stroke count on bank's remittance road to be monitored is obtained, judge whether the abnormal transaction stroke count in transaction stroke count is more than Predetermined threshold value.If the exception transaction stroke count in transaction stroke count is more than predetermined threshold value, it is determined that remittance road to be monitored is disabling remittance road, and Obtain the run time on bank's remittance road to be monitored.Wherein, the run time on bank's remittance road to be monitored opens for bank to be monitored remittance road After dynamic, the duration of current time is run to.
Step S22, judges whether the run time is more than preset duration.
Step S23, if the run time is more than the preset duration, determines whether there is according to remittance road selection strategy Spare remittance road.
After the run time on bank's remittance road to be monitored is got, judge whether run time is more than preset duration.If fortune The row time is more than preset duration, then determines whether there is spare remittance road according to remittance road selection strategy.Wherein, preset duration can basis Specifically need and set, such as may be configured as 30 minutes, 45 minutes or 100 minutes.
Further, bank's remittance road monitoring method further includes:
Step S60, if the run time is less than or equal to the preset duration, forbids performing and waits to supervise described in closing Control the operation on bank's remittance road.
If run time is less than or equal to preset duration, forbid performing the operation for closing bank's remittance road to be monitored.Into One step, when running between when being less than or equal to preset duration, export prompt message, corresponding work prompted according to prompt message Make personnel, which just opens, and does not close bank's remittance road to be monitored temporarily.
When the present embodiment is more than predetermined threshold value by the abnormal transaction stroke count in converging road transaction stroke count when bank to be monitored, obtain Take the run time on bank's remittance road to be monitored.When being more than preset duration between when running, determined whether according to remittance road selection strategy There are spare remittance road;When being less than or equal to preset duration between when running, forbid performing the behaviour for closing bank's remittance road to be monitored Make, avoid after bank's remittance road to be monitored is restarted, due to the transaction on the bank to be monitored remittance road of the acquired restarting There is the transaction stroke count in last operational process in stroke count, and cause the abnormal transaction stroke count in acquired transaction stroke count big In predetermined threshold value, and mistake closes the bank to be monitored remittance road of the restarting.
In addition, the embodiment of the present invention also proposes a kind of computer-readable recording medium, the computer-readable recording medium On be stored with bank and converge road monitoring programme, the bank, which converges when road monitoring programme is executed by processor, realizes following steps:
After the monitoring instruction for detecting monitoring bank's remittance road to be monitored is triggered, according to the monitoring instruction acquisition The transaction stroke count on bank's remittance road to be monitored;
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Remittance road, and spare remittance road is determined whether there is according to remittance road selection strategy;
If there are the spare remittance road, bank's remittance road to be monitored is closed, and by bank's remittance road to be monitored Service switching to it is described it is spare remittance road in.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat Before the step of monitoring and converge road for disabling remittance road, and spare remittance road is determined whether there is according to remittance road selection strategy, the bank Converge when road monitoring programme is executed by processor and realize following steps:
After the maintenance instruction for safeguarding bank's remittance road is detected, determined to safeguard that bank to be safeguarded converges according to the maintenance instruction The maintenance model on road;
According to it is described safeguard model maintenance described in bank to be safeguarded converge road, it is available in road to determine that the bank to be safeguarded converges Remittance road and disabling remittance road;
According to road and the disabling remittance road generation remittance road selection strategy of using foreign currency.
Further, if described there are the spare remittance road, bank's remittance road to be monitored is closed, and wait to supervise by described After controlling the step in service switching to the spare remittance road in bank's remittance road, the bank converges road monitoring programme by processor Following steps are realized during execution:
Perform detection transactional operation in the bank to be monitored converges road, and detect the detection transactional operation it is continuous into Whether work(stroke count, which is more than, is preset successfully stroke count;
If the continuous success stroke count is more than the default success stroke count, bank's remittance road to be monitored is restarted, And by the service switching in the spare remittance road into bank's remittance road to be monitored.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat The step of monitoring and converge road for disabling remittance road, and determining whether there is spare remittance road according to remittance road selection strategy includes:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Remittance road, and obtain the run time on bank's remittance road to be monitored;
Judge whether the run time is more than preset duration;
If the run time is more than the preset duration, spare remittance is determined whether there is according to remittance road selection strategy Road.
Further, it is described judge the step of whether run time is more than preset duration after, the bank converges road Following steps are realized when monitoring programme is executed by processor:
If the run time is less than or equal to the preset duration, forbids performing and close bank's remittance to be monitored The operation on road.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat The step of monitoring and converge road for disabling remittance road, and determining whether there is spare remittance road according to remittance road selection strategy includes:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that the remittance road to be monitored is disabling Converge road, and if the bank to be monitored to converge the corresponding transaction business in road be pre-set business, calculate bank's remittance road to be monitored In Fail Transaction rate;
If the Fail Transaction rate is more than default mortality, spare remittance is determined whether there is according to remittance road selection strategy Road.
Further, if described there are the spare remittance road, bank's remittance road to be monitored is closed, and wait to supervise by described The step in service switching to the spare remittance road in control bank remittance road includes:
If there are the spare remittance road, it is determined whether there are multiple spare remittance roads;
If only existing a spare remittance road, the service switching that the bank to be monitored is converged in road is to described spare In remittance road;
If there are multiple spare remittance roads, it is determined that in multiple spare remittance roads the road of using foreign currency of highest priority, By in the spare remittance road of the service switching in bank's remittance road to be monitored to highest priority.
Further, if the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that described to treat After the step of monitoring and converge road for disabling remittance road, and spare remittance road is determined whether there is according to remittance road selection strategy, the bank Converge when road monitoring programme is executed by processor and realize following steps:
If do not forbid performing the operation for closing bank's remittance road to be monitored, and export institute there are the spare remittance road State bank to be monitored and converge road in the presence of abnormal warning information.
Computer-readable recording medium embodiment of the present invention and above-mentioned bank remittance each embodiment base of road monitoring method This is identical, and details are not described herein.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row His property includes, so that process, method, article or device including a series of elements not only include those key elements, and And other elements that are not explicitly listed are further included, or further include as this process, method, article or device institute inherently Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this Also there are other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on such understanding, technical scheme substantially in other words does the prior art Going out the part of contribution can be embodied in the form of software product, which is stored in a storage medium In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be mobile phone, computer, takes Be engaged in device, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair The equivalent structure or equivalent flow shift that bright specification and accompanying drawing content are made, is directly or indirectly used in other relevant skills Art field, is included within the scope of the present invention.

Claims (10)

1. a kind of bank's remittance road monitoring method, it is characterised in that bank's remittance road monitoring method comprises the following steps:
After the monitoring instruction for detecting monitoring bank's remittance road to be monitored is triggered, wait to supervise according to the monitoring instruction acquisition Control the transaction stroke count on bank's remittance road;
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that is converged for disabling on the remittance road to be monitored Road, and spare remittance road is determined whether there is according to remittance road selection strategy;
If there are the spare remittance road, close the bank to be monitored and converge road, and the bank to be monitored converges to the industry in road Business is switched in the spare remittance road.
2. bank's remittance road monitoring method as claimed in claim 1, it is characterised in that if the exception in the transaction stroke count Transaction stroke count be more than predetermined threshold value, it is determined that it is described it is to be monitored remittance road for disabling converge road, and according to remittance road selection strategy determine be It is no there are it is spare remittance road the step of before, further include:
After the maintenance instruction for safeguarding bank's remittance road is detected, determined to safeguard bank's remittance road to be safeguarded according to the maintenance instruction Safeguard model;
According to it is described safeguard model maintenance described in bank to be safeguarded converge road, determine the road of using foreign currency that the bank to be safeguarded converges in road With disabling remittance road;
According to road and the disabling remittance road generation remittance road selection strategy of using foreign currency.
3. bank as claimed in claim 1 converges road monitoring method, it is characterised in that if described there are the spare remittance road, Close the bank to be monitored and converge road, and the bank to be monitored is converged to the service switching in road to the spare step converged in road After rapid, further include:
Detection transactional operation is performed in the bank to be monitored converges road, and detects the continuous success pen of the detection transactional operation Whether number, which is more than, is preset successfully stroke count;
If the continuous success stroke count is more than the default success stroke count, bank's remittance road to be monitored is restarted, and will Service switching to the bank to be monitored in the spare remittance road converges in road.
4. bank's remittance road monitoring method as claimed in claim 1, it is characterised in that if the exception in the transaction stroke count Transaction stroke count be more than predetermined threshold value, it is determined that it is described it is to be monitored remittance road for disabling converge road, and according to remittance road selection strategy determine be It is no there are it is spare remittance road the step of to include:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that is converged for disabling on the remittance road to be monitored Road, and obtain the run time on bank's remittance road to be monitored;
Judge whether the run time is more than preset duration;
If the run time is more than the preset duration, spare remittance road is determined whether there is according to remittance road selection strategy.
5. bank's remittance road monitoring method as claimed in claim 4, it is characterised in that described to judge whether the run time is big After the step of preset duration, further include:
If the run time is less than or equal to the preset duration, forbids performing and close bank's remittance road to be monitored Operation.
6. bank's remittance road monitoring method as claimed in claim 1, it is characterised in that if the exception in the transaction stroke count Transaction stroke count be more than predetermined threshold value, it is determined that it is described it is to be monitored remittance road for disabling converge road, and according to remittance road selection strategy determine be It is no there are it is spare remittance road the step of to include:
If the abnormal transaction stroke count in the transaction stroke count is more than predetermined threshold value, it is determined that is converged for disabling on the remittance road to be monitored Road, and if the bank to be monitored to converge the corresponding transaction business in road be pre-set business, calculate in bank's remittance road to be monitored Fail Transaction rate;
If the Fail Transaction rate is more than default mortality, spare remittance road is determined whether there is according to remittance road selection strategy.
7. bank as claimed in claim 1 converges road monitoring method, it is characterised in that if described there are the spare remittance road, Close the bank to be monitored and converge road, and the bank to be monitored is converged to the service switching in road to the spare step converged in road Suddenly include:
If there are the spare remittance road, it is determined whether there are multiple spare remittance roads;
If only existing a spare remittance road, by the service switching in bank's remittance road to be monitored to the spare remittance road In;
If there are multiple spare remittance roads, it is determined that in multiple spare remittance roads the road of using foreign currency of highest priority, by institute The service switching in bank's remittance road to be monitored is stated into the spare remittance road of highest priority.
8. such as claim 1 to 7 any one of them bank remittance road monitoring method, it is characterised in that if the transaction pen Abnormal transaction stroke count in number is more than predetermined threshold value, it is determined that road is converged in the remittance road to be monitored for disabling, and is selected according to road is converged After strategy determines whether there is the step of spare remittance road, further include:
If do not forbid performing the operation for closing bank's remittance road to be monitored, and treat described in output there are the spare remittance road Monitor bank and converge road in the presence of abnormal warning information.
9. a kind of bank converges road monitoring system, it is characterised in that the bank converge road monitoring system include memory, processor and It is stored in the bank's remittance road monitoring programme that can be run on the memory and on the processor, bank's remittance road monitoring journey Realized when sequence is performed by the processor such as the step of bank described in any item of the claim 1 to 8 remittance road monitoring method.
10. a kind of computer-readable recording medium, it is characterised in that bank's remittance is stored with the computer-readable recording medium Road monitoring programme, the bank, which converges when road monitoring programme is executed by processor, to be realized as described in any item of the claim 1 to 8 The step of bank's remittance road monitoring method.
CN201711121359.4A 2017-11-10 2017-11-10 Bank's remittance road monitoring method, system and computer-readable recording medium Pending CN108009910A (en)

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