CN108681964B - Transaction settlement system and transaction settlement control method - Google Patents
Transaction settlement system and transaction settlement control method Download PDFInfo
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Abstract
The invention discloses a transaction settlement system and a transaction settlement control method, which belong to the technical field of data processing, the transaction settlement system predicts the transaction distribution characteristics of each merchant according to the transaction information of the merchant through an evaluator, then arranges a settlement module corresponding to each merchant based on a resource balance principle, can ensure that a distributor distributes the settlement module for each merchant after obtaining the transaction information of each merchant, and sends a received settlement request certificate to the corresponding settlement module, thereby realizing reasonable resource distribution for the merchant, and because a resource distribution plan is obtained by the evaluator based on the historical transaction information and the real-time transaction information of each merchant, the condition of uneven resource distribution for the merchant can be avoided, the service processing delay is reduced, and the risk of system avalanche is reduced.
Description
Technical Field
The embodiment of the invention relates to the technical field of data processing, in particular to a transaction settlement system and a transaction settlement control method.
Background
In an online fund settlement system of a third-party payment mechanism, part of services have high requirements on the continuous operation of the system, a large number of real-time transactions per day need to be rapidly charged, and rapid settlement and entry are performed at regular time. If the accumulation condition caused by insufficient computing resources due to abrupt increase of business or uneven credentials to be computed is met, the subsequent settlement process is seriously influenced, the account arrival delay of a merchant is finally caused, and the system avalanche phenomenon can be caused under the serious condition.
Therefore, how to reasonably allocate resources is a problem to be considered.
Disclosure of Invention
The embodiment of the invention provides a method and a device for resource allocation, which are used for improving the resource utilization rate and reducing the delay phenomenon of service processing.
In a first aspect, a transaction settlement system is provided, comprising: sampler, evaluator, service snapshot acquisition module, distributor and a plurality of settlement modules, wherein:
the sampler is used for sampling the transaction information of each merchant;
the evaluator is used for learning the transaction information sampled by the sampler, predicting the transaction distribution characteristics of all merchants according to the learning result, and arranging a transaction resource allocation plan of each merchant based on a resource balancing principle according to the predicted transaction distribution characteristics of each merchant, wherein the transaction resource allocation plan comprises a settlement module configured for each merchant;
the business snapshot obtaining module is used for obtaining a transaction snapshot of a merchant, generating a settlement request certificate according to the transaction snapshot and sending the settlement request certificate to the distributor;
and the distributor is used for distributing a settlement module for each merchant according to the resource distribution plan arranged by the evaluator, and forwarding the received settlement request certificate to the settlement module distributed for the merchant for processing.
The transaction settlement system predicts the transaction distribution characteristics of each merchant according to the transaction information of the merchant through the evaluator, and then arranges the settlement modules corresponding to the merchants based on the resource balance principle, so that the distributor can distribute the settlement modules to the merchants after obtaining the transaction information of the merchants and send the received settlement request certificates to the corresponding settlement modules, thereby realizing reasonable resource distribution for the merchants.
Optionally, the evaluator is specifically configured to, according to a set rearrangement cycle, when each rearrangement cycle is finished, re-predict transaction distribution characteristics of each merchant according to a learning result of previous historical transaction data, and re-compile the resource allocation plan;
and the distributor redistributes the settlement modules for each merchant according to the rearranged resource distribution plan when each rearrangement cycle begins.
The evaluator can periodically rearrange the resource allocation plan, so that resources can be further reasonably allocated to the merchants, and the service processing delay is reduced.
Optionally, the evaluator is further configured to predict transaction distribution characteristics of each merchant again based on the historical transaction information and the learning result of the current transaction information when it is determined that a new merchant and/or a transaction surge event occurs according to the current transaction information of each merchant collected by the sampler in real time in the current rearrangement period, rearrange the resource allocation plan, and notify the distributor to reallocate the settlement module for each merchant according to the rearranged resource allocation plan.
When the evaluator determines that a new merchant and/or a transaction surge event occurs, the resource allocation plan is rearranged according to the historical transaction information and the learning result of the current transaction information, so that the distributor can allocate settlement modules for all merchants again according to the rearranged resource allocation plan, the condition of uneven resource allocation is avoided, the resource allocation is adjusted in time, and the condition of service processing delay caused by service accumulation can be avoided.
Optionally, the system further comprises a monitor for notifying the evaluator when a new merchant and/or a transaction surge event is monitored;
and the evaluator responds to the notice of the monitor, predicts the transaction distribution characteristics of each merchant again based on the historical transaction information acquired by the sampler and the learning result of the current transaction information, rearranges the resource distribution plan again, and informs the distributor to redistribute the settlement module for each merchant according to the rearranged resource distribution plan.
When the evaluator determines that a new merchant and/or a transaction surge event occurs, the resource allocation plan is rearranged according to the historical transaction information and the learning structure of the current transaction information, so that the distributor can allocate settlement modules for all merchants again according to the rearranged resource allocation plan, the condition of uneven resource allocation is avoided, the resource allocation is adjusted in time, and the condition of service processing delay caused by service accumulation can be avoided.
Optionally, the settlement module is further configured to notify the distributor when a set resource usage threshold is reached or a fault occurs;
the allocator further notifies the evaluator to re-arrange the resource allocation plan;
and the evaluator responds to the notification of the distributor, predicts the transaction distribution characteristics of each merchant again based on the historical transaction information acquired by the sampler and the learning result of the current transaction information, rearranges the resource distribution plan again, and notifies the distributor to redistribute the settlement module for each merchant according to the rearranged resource distribution plan.
Optionally, a part of the plurality of settlement modules is a main settlement module, another part of the plurality of settlement modules is a standby settlement module, and the evaluator preferentially configures the main settlement module to each merchant when the resource allocation plan is customized.
The settlement model configured in the resource allocation plan preferentially uses the main settlement module, and reserves the standby settlement module for the merchants of the sudden transaction, so that the merchants of the sudden transaction are prevented from occupying the resources of the main settlement module.
Optionally, the method further includes: monitor and reorderer, wherein:
the evaluator preferentially configures the main settlement module to each merchant when the evaluator arranges the resource allocation plan; and
the monitor is used for controlling the rearrangement to rearrange the transaction resource allocation plan when monitoring a new merchant and/or a transaction surge event, configuring the new merchant and/or the merchant of the transaction surge event to the standby settlement module, and informing the distributor to redistribute the settlement module for each merchant according to the updated resource allocation plan after the rearrangement rearranges the transaction resource allocation plan.
The new commercial tenant and/or the commercial tenant of the transaction surge event are allocated to the standby settlement module for processing, so that the situation that the new commercial tenant and/or the commercial tenant of the transaction surge event occupy the resources of the main settlement module can be avoided.
Optionally, the two evaluators include two evaluators, one of the evaluators learns the transaction information sampled by the sampler, predicts transaction distribution characteristics of each merchant according to the learning result, and arranges the resource allocation plan according to the transaction distribution characteristics, and the other evaluator stores the newly arranged resource allocation plan, and the distributor queries the resource allocation plan from the other evaluator.
By providing two evaluators such that the dispenser accesses evaluators not making predictions at the time, continued operation of the evaluators can be ensured.
In a second aspect, a transaction settlement control method is provided, including:
acquiring a settlement request certificate of a merchant, wherein the settlement request certificate is generated according to a transaction snapshot of the merchant;
and forwarding the settlement request certificate to a settlement module configured for the merchants for processing, wherein the configuration relationship between the merchants and the settlement module is determined according to a resource allocation plan, the resource allocation plan is based on the learning result of the sampling value of the transaction information of each merchant, the transaction distribution characteristics of each merchant are predicted, and the transaction distribution characteristics of each merchant are arranged according to the predicted transaction distribution characteristics of each merchant and based on a resource balancing principle.
Optionally, the method further includes:
according to the set rearrangement cycle, when each rearrangement cycle is finished, the previous historical transaction data are relearned, the transaction distribution characteristics of each merchant are redetected according to the learning result, and the resource allocation plan is redetected; and
and when each rearrangement cycle begins, reallocating the settlement modules for all the merchants according to the rearranged resource allocation plan.
Optionally, the method further includes: when new merchants and/or transaction surge events are determined to occur according to current transaction information of each merchant collected in real time in the current rearrangement period, the transaction distribution characteristics of each merchant are forecasted again on the basis of the historical transaction information and the learning result of the current transaction information, and the resource allocation plan is rearranged; and
and after the resource allocation plan is rearranged, allocating settlement modules for all the merchants again.
Optionally, the method further includes:
when the settlement module reaches a set resource use threshold or fails, the transaction data are learnt again, the transaction distribution characteristics of each merchant are forecasted again according to the learning result, and the resource allocation plan is rearranged;
and after the resource allocation plan is rearranged, allocating settlement modules for all the merchants again.
Optionally, the method further includes:
and arranging a plurality of settlement modules, wherein part of the settlement modules are used as main settlement modules, the other part of the settlement modules are used as standby settlement modules, and the main settlement modules are preferentially configured for all merchants when the resource allocation plan is arranged.
Optionally, the method further includes: if a new merchant and/or transaction surge event occurs and the transaction resource allocation plan is rearranged, the new merchant and/or merchant of the transaction surge event is configured to the standby settlement module.
In a third aspect, a computing device is provided, comprising:
a memory for storing program instructions;
a processor for calling the program instructions stored in the memory and executing the method according to the obtained program.
In a fourth aspect, there is provided a computer readable non-transitory storage medium comprising computer readable instructions which, when read and executed by a computer, cause the computer to perform the method of any of the first aspects above.
In a fifth aspect, there is provided a computer program product comprising computer readable instructions which, when read and executed by a computer, cause the computer to perform the method of any of the first aspects above.
The embodiment of the invention shows that the transaction settlement system comprises a sampler, an evaluator, a service snapshot acquisition module, a distributor and a plurality of settlement modules, wherein the sampler is used for sampling transaction information of each merchant. And the evaluator is used for learning the transaction information sampled by the sampler, predicting the transaction distribution characteristics of all merchants according to the learning result, and arranging a transaction resource allocation plan of each merchant based on a resource balancing principle according to the predicted transaction distribution characteristics of each merchant, wherein the transaction resource allocation plan comprises a settlement module configured for each merchant. And the business snapshot acquisition module is used for acquiring the transaction snapshot of the merchant, generating a settlement request certificate according to the transaction snapshot and sending the settlement request certificate to the distributor. And the distributor is used for distributing a settlement module for each merchant according to the resource distribution plan arranged by the evaluator, and forwarding the received settlement request certificate to the settlement module distributed for the merchant for processing. The transaction distribution characteristics of all merchants are predicted by the evaluator according to the transaction information of the merchants, and then the settlement modules corresponding to all the merchants are arranged based on the resource balance principle, so that the distributor can distribute the settlement modules to all the merchants after obtaining the transaction information of all the merchants and send the received settlement request certificates to the corresponding settlement modules, thereby reasonably distributing resources to the merchants.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of a system architecture according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a server according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of another server provided by an embodiment of the invention;
FIG. 4 is a schematic diagram of a transaction settlement system according to an embodiment of the present invention;
FIG. 5 is a diagram illustrating an evaluator prediction according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of another transaction settlement system provided by an embodiment of the present invention;
fig. 7 is a flowchart illustrating a transaction settlement control method according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
For convenience of understanding, terms referred to in the embodiments of the present invention are explained below:
and (3) third party payment: the third-party payment is a fund 'intermediate platform' of the buyer and the seller in the transaction process, and is an independent mechanism for guaranteeing the benefits of the two parties under the supervision of a bank, such as a third-party payment mechanism for financial payment and Unionpay payment.
Transaction order: the third-party payment mechanism records business documents of the fund change behavior condition of the customer and records core transaction information of account fund change reasons (such as payment, transfer, recharging and cash withdrawal), participants, changed amount, changed time, current state and the like.
And (4) settlement: the third party payment mechanism completes the processes of receiving the order and charging of the contracted merchant and transfers the full amount of money belonging to the merchant to the account of the designated bank card or payment mechanism.
Final consistency: the consistency is the most basic and the most important transaction of the fund-like service, and reflects the fact that all involved transaction resources guarantee the same processing result and transaction after the multiple parallel or serial basic transaction processes are finally ended in a certain transaction process.
Merchant identification information: may be the identity of the merchant itself, for example, a character string with unique identification; or the identity of the server of the merchant, which is mainly used for distinguishing the identity from other merchants.
Fig. 1 is a diagram illustrating an architecture of a system to which the method for resource allocation provided by the embodiment of the present invention is applied. Referring to fig. 1, the system architecture includes a terminal device 101, a merchant server 102, and a third party payment server 103. The merchant server 102 may communicate with the terminal device 101 and the third party payment server 103 through a network, respectively.
In the embodiment of the present invention, the terminal device 101 may be a device having a wireless fidelity (WiFi) module, such as a Mobile phone, a bracelet, a tablet Computer, a notebook Computer, an Ultra-Mobile Personal Computer (UMPC), a Personal Digital Assistant (PDA) device, a vehicle-mounted device, a wearable device, and the like, but is not limited to a communication terminal.
The merchant server 102 may be as shown in fig. 2, and the merchant server 102 may include a processor 1021, a communication interface 1022, and a memory 1023.
The communication interface 1022 is configured to connect to a network, communicate with the terminal device 101 and the third-party payment server 103 through the network, and receive and transmit data transmitted by the terminal device 101 or the third-party payment server 103, so as to implement communication.
The processor 1021 is a control center of the merchant server 102, connects various parts of the entire merchant server 102 using various interfaces and lines, and executes various functions and processes data of the merchant server 102 by running or executing software programs and/or modules stored in the memory 1023 and calling data stored in the memory 1023. Optionally, the processor 1021 may include one or more processing units.
The memory 1023 may be used to store software programs and modules, and the processor 1021 performs various functional applications and data processing by executing the software programs and modules stored in the memory 1023. The memory 1023 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created according to a business process, and the like. Further, the memory 1023 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
The specific structure of the third party server 103 may be as shown in fig. 3, and the third party server 103 may include a processor 1031, a communication interface 1032 and a memory 1033.
The communication interface 1032 is used for connecting to a network, communicating through the network merchant server 102, and receiving and transmitting data transmitted by the merchant server 102 to implement communication.
The processor 1031 is the control center of the third party server 103, connects various parts of the entire third party server 103 using various interfaces and lines, and performs various functions of the third party server 103 and processes data by running or executing software programs and/or modules stored in the memory 1033 and calling data stored in the memory 1033. Optionally, processor 1031 may include one or more processing units.
The memory 1033 may be used for storing software programs and modules, and the processor 1031 executes various functional applications and data processing by operating the software programs and modules stored in the memory 1033. The memory 1033 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created according to a business process, and the like. Further, the memory 1033 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
It should be noted that the structures shown in fig. 2 and fig. 3 are only examples, and the embodiments of the present invention do not limit this.
When the user purchases by using the application program installed on the terminal device 101 and associated with the merchant server 102, and selects a third party payment mechanism as a settlement mechanism, the processor 1021 of the merchant server 102 generates a transaction order, and the processor 1021 of the merchant server 102 may control the communication interface 1022 to transmit the transaction order to the third party server 103 of the third party payment mechanism, so as to request the third party server 103 to perform business processing on the transaction order.
After receiving the transaction order sent by the merchant server 102, the third-party server 103 needs to allocate resources to the merchant first. The current resource allocation scheme is mainly an averaging method, and the third-party server 103 determines the resource state of each processing unit in its own processor 1031, and allocates the merchant to a processing unit whose resource does not exceed the upper limit for service processing. However, in this case, if the business of the merchant suddenly increases in a future period of time, the resources allocated to the merchant by the third-party server 103 cannot meet the requirement of the merchant for the resources, so that business processing delay occurs, and meanwhile, business processing of other merchants under the processing unit is also affected, and a system avalanche phenomenon may occur in a severe case.
In order to solve the above problems, embodiments of the present invention provide a transaction settlement system, in which an evaluator predicts transaction distribution characteristics of each merchant according to transaction information of the merchant, and then arranges settlement modules corresponding to each merchant based on a resource balancing principle, so that a distributor can allocate a settlement module to each merchant after obtaining the transaction information of each merchant, and send a received settlement request credential to a corresponding settlement module, thereby achieving reasonable resource allocation to the merchant.
Considering that the transaction amount of each service varies greatly in different time periods or different periods of time in a day, that is, the service demand estimated for a service in the resource allocation plan varies greatly with different time periods or time, for example, the transaction amount of some merchants in the morning is large, and the transaction amount in the afternoon is reduced greatly. Some merchants have a large amount of transactions during the day and few transactions at night. Some merchant tie-up transactions, etc. Therefore, reasonable resource allocation is generally performed in a set rearrangement period, which may be one hour, multiple hours, half a day, one day, or even one week, and in each rearrangement period, the settlement modules corresponding to one merchant may be the same or different, for example, a merchant with a stable transaction amount may maintain the same settlement module in each rearrangement period. Thus, when each rearrangement cycle starts, the distributor can distribute the corresponding settlement module of the current rearrangement cycle to the merchant according to the resource distribution plan, and then redistribute the settlement module of the current rearrangement cycle in the next rearrangement cycle.
In order to achieve the above object, the flow of resource allocation is described below with reference to the structures shown in fig. 1 to 3.
Fig. 4 exemplarily illustrates a transaction settlement system provided by an embodiment of the present invention, wherein the transaction settlement system may include a sampler 410, an evaluator 411, a traffic snapshot obtaining module 412, a distributor 413, and a plurality of settlement modules 414. The service snapshot obtaining module 412 may be located in the merchant server or the third party payment server. The sampler 410, the evaluator 411, the distributor 412 and the settlement module 414 are located in a third party payment server, which may be a server cluster composed of a plurality of servers, and the sampler 410, the evaluator 411, the distributor 412 and the settlement module 414 each correspond to one sub-server, or may be a single server.
As shown in fig. 4, the transaction settlement process specifically includes the following steps:
in step 401, the service snapshot obtaining module 412 sends a settlement request credential.
When a user uses a client corresponding to the merchant server 102 in the terminal device 101 to perform a transaction, the processor 1021 of the merchant server 102 may generate a transaction list, which may also be referred to as a transaction snapshot, where the transaction snapshot may retain all information during the transaction, and the settlement request credential is generated according to the transaction snapshot. The service snapshot obtaining module 412 may generate a settlement request credential based on the transaction snapshot, where the settlement request credential may include a service identifier of a service to be processed and merchant identification information, such as a service identifier of a payment service, a transfer service, a recharge service, and the like. The service snapshot acquisition module 412 sends the settlement request credential to the distributor 412.
Optionally, the service snapshot obtaining module may further perform snapshot compensation, and compensate for data entering the charging process and difference data of the existing network, because data loss due to various reasons such as asynchronous delayed account entry, order drop, processing failure, rollback and the like inevitably exists in the system operation, and difference checking compensation needs to be performed, and the compensation period system is set to be compensated in two stages, namely 4 hours/time and T +1 full amount, according to the existing network characteristics of the third-party payment service.
At step 402, the allocator 412 queries a resource allocation plan.
In an embodiment of the present invention, the resource allocation plan is orchestrated by evaluator 411. First, the sampler 410 needs to sample transaction information of each merchant, the sampler 410 may sample the transaction information of each merchant from a historical transaction voucher library, then, the evaluator 411 learns the transaction information sampled by the sampler 410, predicts transaction distribution characteristics of each merchant according to the learning result, and arranges a transaction resource allocation plan of each merchant based on a resource balancing principle according to the predicted transaction distribution characteristics of each merchant, where the transaction resource allocation plan includes a settlement module 414 configured for each merchant, that is, each merchant corresponds to one settlement module 414, and the merchant and the settlement module 414 have a binding relationship.
When the evaluator 411 arranges the resource allocation plan, a rearrangement cycle is set, and when each rearrangement cycle is finished, the transaction distribution characteristics of each merchant are re-predicted according to the learning result of the previous historical transaction data, and the resource allocation plan is re-arranged.
When predicting the distribution characteristics of each merchant, the evaluator 411 needs to perform learning training on the historical transaction data through the deep learning network, and predict the transaction distribution characteristics of each merchant according to the learning result, where the transaction distribution characteristics of the merchant are mainly expressed in the transaction amount of the merchant, or in other words, the transaction amount of each merchant is predicted. In training and learning, a deep learning Network (e.g., RNN (Recurrent neural Network, Recurrent neural Network)) may be used for training and result prediction, and as shown in fig. 5, a prediction result of a transaction range may be generated by inputting practice, transaction stroke number and historical synchronization data, and inputting basic information (industry, region, etc.) of a merchant, and an evaluation function evaluates using a median distance between an actual transaction stroke number of the marked data and the prediction stroke number in an evaluation process. Optionally, the evaluation and prediction result may be performed based on a bayesian classifier model, or based on a Support Vector Machine (SVM) model, or based on a symbolic reasoning algorithm, or based on a competition elimination mechanism of a genetic algorithm, or based on other deep evaluation algorithms, or based on the comprehensive evaluation and prediction result of the heterogeneous evaluator 411. When using the evaluator 411, the multi-evaluator 411 rotation prediction mode can be adopted, the evaluator 411 prediction result buffer mode can be adopted, or the precision range of the historical data sampling by the evaluator 411 can be expanded to different weighted average according to hour, day and week. Evaluator 411 may also employ solely historical transaction credentials or real-time billing credentials as training data.
The evaluation of the number of trades of the merchant is carried out in a classification mode rather than prediction of specific number of trades, the classification of the number of trades is in ten thousand units, each classification interval adopts Fibonacci number series as interval length, and settlement is carried out every hour according to actual business scenes, so that the predicted number of trades is also the accumulated number of trades every hour. The introduction of year, week and month year-round ratio and ring-round ratio in the input data is also the characteristics of the transaction of the merchant in the combination of historical transaction certificates, for example, the transaction peak value and the increase of the merchant are slightly different according to the characteristics of working days and holidays in each week corresponding to catering merchants, the travel of the transaction peak values of the travel type merchant and the group purchase type merchant is also obviously different according to the time point, and the transaction peak value of the e-commerce merchant is different due to the merchant.
After the predicted transaction amount, i.e., the predicted transaction number, of the merchant is obtained, the settlement module 414 may be configured, i.e., a resource allocation plan is generated. Specifically, resource usage can be arranged in a staggered mode according to merchants and time latitudes, and computing tasks falling on a certain resource in the same time period are guaranteed to be uniform as much as possible. For example, the calculation amount of the merchant a in the time range t1-t2 is relatively large, and the calculation amount of the merchant B in the time range t1-t2 range t1-t2 is relatively small, so that two merchants AB can be configured as a group as the same settlement module 414. Of course, the calculation amount here is predicted from the information of the year-on-year, date-on-day, etc. of the historical transactions, and has a certain error, so the distribution of the settlement module 414 takes into account about 90% of the limit value.
At step 403, distributor 412 sends the settlement request credentials to the corresponding settlement module 414.
After querying the resource allocation plan arranged by the current rearrangement cycle evaluator 411, the distributor 412 distributes a settlement module 414 to each merchant according to the resource allocation plan, and forwards the received settlement request credentials to the settlement module 414 distributed to the merchant for processing. The distributor 412 redistributes the settlement module 414 for each merchant according to the rearranged resource distribution plan at the beginning of each rearrangement cycle.
Optionally, in order to avoid the situation that the settlement module 414 cannot be allocated when a new merchant and/or a transaction surge event occurs, an emergency processing flow needs to be set, where the transaction surge event refers to a large amount of service requests suddenly occurring by the merchant in the current rearrangement cycle. The emergency processing flow when this occurs is described below in two ways as an example.
In a first mode
The sampler 410 may collect current transaction information of each merchant in real time in the current rearrangement period, that is, real-time transaction information of the merchant, which is transaction information generated in the current rearrangement period.
When determining that a new merchant and/or a transaction surge event occurs, the evaluator 411 predicts transaction distribution characteristics of each merchant again according to the historical transaction information and the learning result of the current transaction information, rearranges the resource allocation plan, and notifies the distributor 412 to redistribute the settlement module 414 for each merchant according to the rearranged resource allocation plan, so that the distributor 412 can redistribute the settlement module 414 for each merchant according to the rearranged resource allocation plan, thereby avoiding the condition of uneven resource allocation, adjusting resource allocation in time, and avoiding the condition of service processing delay caused by service accumulation.
It should be noted that the preset weight ratio of the historical service information and the current transaction information may be set according to experience, wherein the sum of the weights of the historical service information and the current transaction information is 1. The method can be flexibly set in specific implementation, and more influences of reference historical synchronization data are generated in daily operation, so that the weight of historical business information can be set to be higher. When a new merchant is added, the weight of the current transaction information can be set to be higher properly. In the embodiment of the present invention, the rearrangement period of the evaluator 411 in rearranging the resource allocation plan may be set empirically, for example, the rearrangement period may be 1 day, 1 hour, or several hours. Or a plurality of time periods can be divided in 1 day, and each time period is a rearrangement cycle. That is, in the current rearrangement cycle, the merchant and the settlement module 414 are bound, and as long as the merchant has a settlement request certificate, the distributor 412 forwards the settlement request certificate to the corresponding settlement module 414 for processing, and the merchant generally does not change the settlement module 414 in the same cycle. When a rearrangement cycle is finished, the evaluator 411 releases the binding relationship between each merchant and the settlement module 414, and then determines the settlement module 414 bound to the merchant in the next cycle.
Still referring to fig. 4, the transaction settlement system may further include a monitor 415, and the monitor 415 may monitor for new merchants and/or transaction surge events and notify the evaluator 411. That is, the above-mentioned new merchant and/or transaction surge event may be notified to evaluator 411 by monitor 415, so that evaluator 411 reorders the resource allocation plan when a new merchant and/or transaction surge event occurs, and further notifies the allocator to reconfigure.
Mode two
Still referring to fig. 4, some of the plurality of settlement modules 414 in the transaction settlement system may be primary settlement modules, and another portion may be standby settlement modules. The evaluator 411 preferentially configures the primary settlement module to each merchant when scheduling resource allocation plans. The processing capacity of the standby settlement module is greater than that of the main settlement module, for example, the processing capacity of the standby settlement module may be twice or three times that of the main settlement module, and the standby settlement module is used for processing merchants with rapidly increased transactions. Because the new merchant has no historical transaction information and the transaction distribution characteristic of the new merchant cannot be predicted, the new merchant can be processed by the standby settlement module so as to avoid the processing bottleneck of the main settlement module when the transaction is increased rapidly, namely the processing bottleneck is larger than the resource use threshold.
When the main settlement module and the standby settlement module are deployed, the standby settlement module may occupy a certain proportion of the main settlement module, for example, 20%, so that the total settlement module ratio may be 1: 0.4.
As shown in fig. 6, the transaction settlement system may further include a monitor 416 and a rearranger 417, when the monitor 416 monitors a new merchant and/or a transaction surge event, the rearranger 417 is controlled to rearrange the transaction resource allocation plan, and allocate the new merchant and/or the merchant of the transaction surge event to the standby settlement module, and after rearranging the transaction resource allocation plan, the rearranger 417 notifies the distributor 412 to reallocate the settlement module 414 to each merchant according to the updated resource allocation plan.
The new commercial tenant and/or the commercial tenant of the transaction surge event are allocated to the standby settlement module for processing, so that the situation that the commercial tenant of the new commercial tenant and/or the commercial tenant of the transaction surge event occupies resources of the main settlement module to cause service accumulation can be avoided, resource waste is avoided, the commercial tenant of unexpected transaction surge is handed over to the standby settlement module for processing, the influence of the large commercial tenant on other small commercial tenants can be isolated, and the method is an important means for preventing system avalanche.
It should be noted that, in the embodiment of the present invention, the standby settlement module and the main settlement module may be mutually converted along with the increase and decrease of the transaction amount, and when the resource allocation plan is arranged, the main settlement module is preferentially considered, and the standby settlement module is generally used as an emergency processing module. However, when the standby module starts to process the transaction, the standby module enters the team of the main settlement module and is considered as the main settlement module when the resource allocation plan is rearranged next time. On the other hand, when the transaction amount is reduced, some active standby modules may be converted into standby settlement modules.
Optionally, the settlement module in the transaction settlement system may also notify the distributor 412 when a set resource usage threshold is reached or a failure occurs. The resource usage threshold may be set empirically, for example, may be 90%. The failure may be that the settlement module 414 is down.
In this case, the distributor 412 informs the evaluator 411 to rearrange the resource distribution set, and the evaluator 411 may re-predict the transaction distribution characteristics of each merchant based on the historical transaction information sampled by the sampler 410 and the learning result of the current transaction information, and rearrange the resource distribution plan, so that the distributor 412 may re-distribute the settlement module 414 for the merchant according to the rearranged resource distribution plan. The step of the evaluator 411 scheduling the resource allocation plan is described in the above embodiments, and is not described again.
It should be noted that, in the embodiment of the present invention, the evaluator 411 may include two or more, and when two evaluators 411 are included, one of the evaluators 411 learns the transaction information sampled by the sampler 410, predicts the transaction distribution characteristics of each merchant according to the learning result, and organizes the resource allocation plan according to the transaction distribution characteristics, the other evaluator 411 stores the newly organized resource allocation plan, and the allocator 412, when the interview evaluator 411 queries the resource allocation plan, queries from the other evaluator 411, that is, stores the evaluator 411 of the newly organized resource allocation plan. Thus, by rotating the orchestrated resource allocation plan by two or more evaluators 411, the continuous operation of the evaluators 411 can be guaranteed.
The above embodiment shows that the transaction settlement system includes a sampler 410, an evaluator 411, a traffic snapshot obtaining module 412, a distributor 412, and a plurality of settlement modules 414, and the sampler 410 is used for sampling transaction information of each merchant. The evaluator 411 is configured to learn the transaction information sampled by the sampler 410, predict transaction distribution characteristics of each merchant according to the learning result, and arrange a transaction resource allocation plan of each merchant based on a resource balancing principle according to the predicted transaction distribution characteristics of each merchant, where the transaction resource allocation plan includes a settlement module 414 configured for each merchant. The service snapshot obtaining module 412 is configured to obtain a transaction snapshot of the merchant, generate a settlement request credential according to the transaction snapshot, and send the settlement request credential to the distributor 412. The distributor 412 is configured to distribute a settlement module 414 to each merchant according to the resource distribution plan arranged by the evaluator 411, and forward the received settlement request credential to the settlement module 414 distributed to the merchant for processing. Through the evaluator 411 predicting the transaction distribution characteristics of each merchant according to the transaction information of the merchant, and then arranging the settlement modules 414 corresponding to each merchant based on the resource balance principle, the distributor 412 can distribute the settlement modules 414 to each merchant after obtaining the transaction information of each merchant, and send the received settlement request credentials to the corresponding settlement modules 414, so that the reasonable resource distribution to the merchants is realized, and as the resource distribution plan is obtained by the evaluator 411 based on the historical transaction information and the real-time transaction information prediction evaluation of each merchant, the situation of uneven resource distribution to the merchants can be avoided, the service processing delay is reduced, and the risk of system avalanche is reduced.
Based on the same technical concept, fig. 7 exemplarily shows a flow of a transaction settlement control method provided by an embodiment of the present invention.
The process specifically comprises the following steps:
The settlement request credential is generated according to the transaction snapshot of the merchant, which may be generated by the service snapshot obtaining module 412 in the above embodiment.
The configuration relationship between the merchants and the settlement module 414 is determined according to a resource allocation plan, which is based on the learning result of the sampling value of the transaction information of each merchant, predicts the transaction distribution characteristics of each merchant, and is arranged based on a resource balancing principle according to the predicted transaction distribution characteristics of each merchant. The resource allocation set may be generated by the evaluator 411 in the foregoing embodiment, and a specific implementation manner has been described in the foregoing embodiment, which is not described again in this embodiment of the present invention.
Based on the same technical concept, the embodiment of the invention also provides a computer-readable storage medium storing computer-executable instructions for execution by an execution processor, which includes a flow for executing the transaction settlement control method.
In some possible embodiments, various aspects of the transaction settlement control method provided by the present invention may also be implemented in the form of a program product including program code for causing a terminal device to perform the steps in the transaction settlement control method according to various exemplary embodiments of the present invention described above in this specification when the program product is run on the terminal device, for example, the third party payment server 103 may perform the steps 601 and 602 shown in fig. 6.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The program product for subway entrance and exit detection of the embodiment of the present invention may employ a portable compact disk read only memory (CD-ROM) and include program code, and may be run on a computing device. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device over any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., over the internet using an internet service provider).
It should be noted that although several units or sub-units of the apparatus are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functions of two or more of the units described above may be embodied in one unit, according to embodiments of the invention. Conversely, the features and functions of one unit described above may be further divided into embodiments by a plurality of units.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (11)
1. A transaction settlement system, comprising: sampler, evaluator, service snapshot acquisition module, distributor and a plurality of settlement modules, wherein:
the sampler is used for sampling the transaction information of each merchant;
the evaluator is used for learning the transaction information sampled by the sampler, predicting the transaction distribution characteristics of all merchants according to the learning result, and arranging a transaction resource allocation plan of each merchant based on a resource balancing principle according to the predicted transaction distribution characteristics of each merchant, wherein the transaction resource allocation plan comprises a settlement module configured for each merchant;
the business snapshot obtaining module is used for obtaining a transaction snapshot of a merchant, generating a settlement request certificate according to the transaction snapshot and sending the settlement request certificate to the distributor;
the distributor is used for distributing a settlement module for each merchant according to the resource distribution plan arranged by the evaluator, and forwarding the received settlement request certificate to the settlement module distributed for the merchant for processing;
the system further comprises: a monitor and a reorderer;
the evaluator preferentially configures the main settlement module to each merchant when the evaluator arranges the resource allocation plan; and
the monitor is used for controlling the rearrangement to rearrange the transaction resource allocation plan when monitoring new merchants and/or transaction proliferation events, and configuring the new merchants and/or the merchants of the transaction proliferation events to the standby settlement module, and after the rearrangement rearranges the transaction resource allocation plan, informing the distributor to rearrange the settlement modules for all the merchants according to the updated resource allocation plan, wherein each merchant corresponds to one settlement module, the standby settlement module allocated to the merchant is converted into the main settlement module when the transaction resource allocation plan is rearranged, and the main settlement module is converted into the standby settlement module when the transaction amount is reduced.
2. The system according to claim 1, wherein the evaluator is specifically configured to re-predict the transaction distribution characteristics of each merchant according to the learning results of the previous historical transaction data and re-compile the resource allocation plan at the end of each rearrangement cycle according to a set rearrangement cycle;
and the distributor redistributes the settlement modules for each merchant according to the rearranged resource distribution plan when each rearrangement cycle begins.
3. The system of claim 2, wherein the evaluator is further configured to, when it is determined that a new merchant and/or a transaction surge event occurs according to current transaction information of each merchant collected by the sampler in real time in a current rearrangement period, re-predict transaction distribution characteristics of each merchant based on historical transaction information and a learning result of the current transaction information, rearrange the resource allocation plan, and notify the distributor to re-allocate the settlement module for each merchant according to the rearranged resource allocation plan.
4. The system of claim 2, further comprising a monitor for notifying the evaluator upon monitoring a new merchant and/or transaction surge event;
and the evaluator responds to the notice of the monitor, predicts the transaction distribution characteristics of each merchant again based on the historical transaction information acquired by the sampler and the learning result of the current transaction information, rearranges the resource distribution plan again, and informs the distributor to redistribute the settlement module for each merchant according to the rearranged resource distribution plan.
5. The system of claim 2, wherein:
the settlement module is also used for informing the distributor when a set resource use threshold value is reached or a fault occurs;
the allocator further notifies the evaluator to re-arrange the resource allocation plan;
and the evaluator responds to the notification of the distributor, predicts the transaction distribution characteristics of each merchant again based on the historical transaction information acquired by the sampler and the learning result of the current transaction information, rearranges the resource distribution plan again, and notifies the distributor to redistribute the settlement module for each merchant according to the rearranged resource distribution plan.
6. The system according to any one of claims 1 to 5, wherein the evaluator comprises two evaluators, one of the evaluators learns the transaction information sampled by the sampler, predicts transaction distribution characteristics of each merchant according to the learning result, and arranges the resource allocation plan according to the transaction distribution characteristics, and the other evaluator stores the newly arranged resource allocation plan, and the allocator inquires the resource allocation plan from the other evaluator.
7. A transaction settlement control method, comprising:
acquiring a settlement request certificate of a merchant, wherein the settlement request certificate is generated according to a transaction snapshot of the merchant;
forwarding the settlement request certificate to a settlement module configured for the merchants for processing, wherein the configuration relationship between the merchants and the settlement module is determined according to a resource allocation plan, the resource allocation plan is based on the learning result of the sampling value of the transaction information of each merchant, predicts the transaction distribution characteristics of each merchant, and is arranged based on a resource balance principle according to the predicted transaction distribution characteristics of each merchant;
setting a plurality of settlement modules, taking part of the settlement modules as main settlement modules and the other part of the settlement modules as standby settlement modules, and preferentially allocating the main settlement modules to each merchant when the resource allocation plan is arranged;
if a new merchant and/or a transaction surge event occurs and the transaction resource allocation plan is rearranged, the merchant of the new merchant and/or the transaction surge event is configured to a standby settlement module, wherein each merchant corresponds to one settlement module, the standby settlement module allocated to the merchant is converted into a main settlement module when the transaction resource allocation plan is rearranged, and the main settlement module is converted into the standby settlement module when the transaction amount is reduced.
8. The method of claim 7, further comprising:
according to the set rearrangement cycle, when each rearrangement cycle is finished, the previous historical transaction data are relearned, the transaction distribution characteristics of each merchant are redetected according to the learning result, and the resource allocation plan is redetected; and
and when each rearrangement cycle begins, reallocating the settlement modules for all the merchants according to the rearranged resource allocation plan.
9. The method of claim 8, further comprising: when new merchants and/or transaction surge events are determined to occur according to current transaction information of each merchant collected in real time in the current rearrangement period, the transaction distribution characteristics of each merchant are forecasted again on the basis of the historical transaction information and the learning result of the current transaction information, and the resource allocation plan is rearranged; and
and after the resource allocation plan is rearranged, allocating settlement modules for all the merchants again.
10. The method of claim 7, 8 or 9, further comprising:
when the settlement module reaches a set resource use threshold or fails, the transaction data are learnt again, the transaction distribution characteristics of each merchant are forecasted again according to the learning result, and the resource allocation plan is rearranged;
and after the resource allocation plan is rearranged, allocating settlement modules for all the merchants again.
11. A computer-readable non-transitory storage medium including computer-readable instructions which, when read and executed by a computer, cause the computer to perform the method of any one of claims 7 to 10.
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| CN111915340B (en) * | 2019-05-09 | 2023-08-18 | 腾讯科技（深圳）有限公司 | Method, device, equipment and storage medium for identifying merchant type |
| CN110347513B (en) * | 2019-07-15 | 2022-05-20 | 中国工商银行股份有限公司 | Hot data batch scheduling method and device |
| CN110532807B (en) * | 2019-07-30 | 2024-03-08 | 平安科技（深圳）有限公司 | Electronic certificate generation method, device, computer equipment and storage medium |
| CN110766441A (en) * | 2019-09-05 | 2020-02-07 | 口碑(上海)信息技术有限公司 | Resource object processing method and device, storage medium and computer equipment |
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| CN112529435A (en) * | 2020-12-17 | 2021-03-19 | 中国农业银行股份有限公司 | Resource allocation method and device |
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