CN109102273B - Method and system for realizing distributed intelligent payment routing - Google Patents

Method and system for realizing distributed intelligent payment routing Download PDF

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CN109102273B
CN109102273B CN201810961860.XA CN201810961860A CN109102273B CN 109102273 B CN109102273 B CN 109102273B CN 201810961860 A CN201810961860 A CN 201810961860A CN 109102273 B CN109102273 B CN 109102273B
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payment
module
routing
request
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CN109102273A (en
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李安清
尹强
宁顺斌
李秀生
毛航
陈林江
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Sichuan XW Bank Co Ltd
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Sichuan XW Bank 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments

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Abstract

The invention discloses a method and a system for realizing distributed intelligent payment routing, wherein the method comprises the following steps: the payment system node automatically loads the configured intelligent payment routing rule; the load balancing device forwards the request of the channel merchant to each payment system node according to the pre-configured weight; the payment system node judges whether a corresponding route change mark exists in the cache device; if the route change mark does not exist, the payment system node selects a matched channel to process the request of the channel merchant according to the intelligent payment route rule; if the route change mark exists, the payment system node updates the self intelligent payment routing rule according to the route change mark, then sets the route change mark in the cache device, and selects a matched channel to process the request of the channel merchant according to the updated intelligent payment routing rule, so that the complexity and the technical cost of system maintenance can be reduced, and the stability and the portability of the system are improved.

Description

Method and system for realizing distributed intelligent payment routing
Technical Field
The invention belongs to the technical field of internet payment, and particularly relates to a method and a system for realizing distributed intelligent payment routing.
Background
The internet payment system is used as a connector of a merchant and a channel, and has the functions of closing, risk control, protocol authorization, channel management, merchant management, route screening and the like. Most routing rules of the distributed payment system are realized through a third-party framework or a self-built service bus, and issuing routing rules and updating the routing rules dynamically in real time depend on the stability of other frameworks, so that the technical cost and the maintenance cost are relatively high, and the portability of the system is poor.
In the prior art, distributed intelligent payment routing is realized through a zookeeper cluster, and a zookeeper tree directory structure needs to be embedded. After the nodes of the distributed system are online, corresponding temporary tree-shaped data nodes are automatically created, each data node updates the routing rule through a mechanism of releasing monitoring, for example, when the routing rule of a certain node changes, other data nodes monitoring the current node capture the change, and other nodes immediately update the routing rule of the node. After the nodes of the distributed system are offline, the temporary data nodes are automatically destroyed, and the operation management platform creates persistent nodes on the tree-shaped data nodes to support manual maintenance of payment routing rules. Due to the introduction of the technical scheme of the third-party system, the complexity of the system is increased, the technical cost is high, and the stability and the transportability are poor.
Disclosure of Invention
In view of this, an object of the embodiments of the present invention is to provide a method and a system for implementing a distributed intelligent payment routing, which aim to reduce complexity and technical cost of system maintenance and improve stability and portability of the system.
The technical scheme adopted by the invention is as follows:
in a first aspect, an implementation method of a distributed intelligent payment route provided in an embodiment of the present invention is applied to an implementation system of a distributed intelligent payment route, where the implementation system of the distributed intelligent payment route includes a load balancing device, a caching device, and multiple payment system nodes, and the implementation method of the distributed intelligent payment route includes:
the payment system node automatically loads the configured intelligent payment routing rule;
the load balancing device forwards the request of the channel merchant to each payment system node according to the pre-configured weight;
the payment system node judges whether a corresponding route change mark exists in the cache device or not;
if the route change mark does not exist, the payment system node selects a matched channel to process the request of the channel merchant according to the intelligent payment routing rule;
if the route change mark exists, the payment system node updates the self intelligent payment route rule according to the route change mark, then sets the route change mark in the cache device, and selects a matched channel according to the updated intelligent payment route rule to process the request of the channel merchant.
Further, the method for implementing distributed intelligent payment routing further comprises:
when the request of the channel merchant is processed by the selected channel to be abnormal, the payment system node jumps to the state of the channel merchant with abnormal transaction, updates the self intelligent payment routing rule and sets a routing change mark in the cache device;
and when the selected channel normally processes the request of the channel merchant, the payment system node jumps to the normal transaction state of the channel merchant.
Further, the step of selecting a matching channel to process the request of the channel merchant specifically includes:
the payment system node sequentially judges a designated routing rule, a static routing rule and a dynamic routing rule and selects a matched channel routing list;
and the payment system node checks the limiting conditions of the channels in the channel routing list in sequence, selects the channel with the highest priority from the matched channels according to the preset priority sequence, and selects the channel to process the request of the channel merchant.
Further, before the step of forwarding the request of the channel merchant to each payment system node by the load balancing device according to the preconfigured weight, the implementation method of the distributed intelligent payment route further includes the following steps:
the operation management device receives and stores the changed intelligent payment routing rule;
and under the action that the payment system node receives an external manual trigger instruction, the operation management device issues the intelligent payment routing rule to the payment system node.
Further, the load balancing device comprises a main load balancing device and a standby load balancing device, wherein when the main load balancing device is abnormal, the standby load balancing device is started to perform replacement work.
In a second aspect, the system for implementing distributed intelligent payment routing provided in the embodiments of the present invention includes a load balancing device, a caching device, and a plurality of payment system nodes, where the load balancing device includes a forwarding module, and the payment system nodes include a loading module, a determining module, and a selecting module, where:
the loading module is used for automatically loading the configured intelligent payment routing rule;
the forwarding module is used for forwarding the request of the channel merchant to each payment system node according to the pre-configured weight;
the judging module is used for judging whether a corresponding route change mark exists in the cache device;
the selection module is used for selecting a matched channel according to the intelligent payment routing rule to process the request of the channel merchant when the routing change mark does not exist;
if the route change mark exists, the updating module is used for updating the self intelligent payment routing rule according to the route change mark; the setting module is used for setting a route change mark in the cache device; and the selection module is also used for selecting a matched channel according to the updated intelligent payment routing rule to process the request of the channel merchant.
Further, the payment system node further comprises a jump module, wherein:
when the request of the channel merchant is processed to be abnormal by the selected channel, the skipping module is used for skipping to the state of transaction abnormity of the channel merchant; the updating module is also used for updating the intelligent payment routing rule of the updating module; the setting module is further configured to set a route change flag in the cache device;
and when the selected channel normally processes the request of the channel merchant, the skipping module is also used for skipping to the normal transaction state of the channel merchant.
Furthermore, the judging module is further configured to sequentially judge the designated routing rule, the static routing rule and the dynamic routing rule, and select a matching channel routing list;
the selection module is further configured to check the channels in the channel routing list for limiting conditions in sequence, select a channel with the highest priority from the matched channels according to a preset priority sequence, and select the channel to process the request of the channel merchant.
Further, the system for realizing distributed intelligent payment routing also comprises an operation management device, wherein the operation management device comprises a storage module and a sending module,
the storage module is used for receiving and storing the changed intelligent payment routing rule;
and the sending module is used for sending the intelligent payment routing rule to the payment system node under the action of receiving an external manual trigger instruction by the payment system node.
Further, the load balancing device comprises a main load balancing device and a standby load balancing device, wherein when the main load balancing device is abnormal, the standby load balancing device is started to perform replacement work.
In summary, the configured intelligent payment routing rule is automatically loaded by the payment system node, and the load balancing device forwards the request of the channel merchant to each payment system node according to the pre-configured weight. The payment system node judges whether a corresponding route change mark exists in a cache device or not, and if the route change mark does not exist, the payment system node selects a matched channel according to the intelligent payment routing rule to process the request of the channel merchant; if the route change mark exists, the payment system node updates the self intelligent payment route rule according to the route change mark, then sets the route change mark in the cache device, and selects a matched channel according to the updated intelligent payment route rule to process the request of the channel merchant. The technical scheme of the adopted load balancing device and the cache device is mature, so that the technical cost of the system is very low, the system does not need deep embedding, and the whole system frame has good stability and portability.
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 embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention, and therefore should not be considered as limiting the scope, and it will be apparent to those skilled in the art that other related drawings can be obtained from the drawings without inventive effort.
Fig. 1 shows a flowchart of an implementation method of distributed intelligent payment routing according to an embodiment of the present invention.
Fig. 2 is a flow chart illustrating sub-steps involved in selecting a matching channel to process a request of a channel merchant according to an embodiment of the present invention.
Fig. 3 is a block diagram illustrating an implementation system of distributed intelligent payment routing according to an embodiment of the present invention.
Description of the main element symbols:
a distributed intelligent payment routing realization system 10; a load balancing device 100; a cache device 200;
a payment system node 300; an operation management device 400; a forwarding module 101; a loading module 301;
a judging module 302; a selection module 303; a skip module 304; a storage module 401; a sending module 402.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
In the prior art, distributed intelligent payment routing is realized through a zookeeper cluster, and a zookeeper tree directory structure needs to be embedded. After the nodes of the distributed system are online, corresponding temporary tree-shaped data nodes are automatically created, each data node updates the routing rule through a mechanism of releasing monitoring, for example, when the routing rule of a certain node changes, other data nodes monitoring the current node capture the change, and other nodes immediately update the routing rule of the node. After the nodes of the distributed system are offline, the temporary data nodes are automatically destroyed, and the operation management platform creates persistent nodes on the tree-shaped data nodes to support manual maintenance of payment routing rules. Due to the introduction of the technical scheme of the third-party system, the complexity of the system is increased, the technical cost is high, and the stability and the transportability are poor.
In view of this, the present invention provides a method and a system for implementing distributed intelligent payment routing, which aim to reduce the complexity and technical cost of system maintenance and improve the stability and portability of the system.
Before going into specific explanation, the following key terms will be explained.
Easy-To-pay System (Easy-To-Use Payment System): the gateway is connected with the business merchant and each payment channel, the difference of each payment channel is shielded, and the distributed payment system with abundant online payment functions such as payment collection, real-name authentication, exchange, consumption and the like is provided for the merchant.
Operation Management Platform (Operation Management Platform): the comprehensive operation management platform integrates and manages the merchant, the payment channel, the intelligent routing rule, daily error processing, the monitoring report form display, transaction control and other modules.
A channel: a three-party payment system with payment clearing function.
Channel commercial tenant: the bank enters into an agreement with the bank authorizing the channel merchant from which it initiated the payment transaction entitlement.
As shown in fig. 1, the method for implementing a distributed intelligent payment route according to an embodiment of the present invention is applicable to an implementation system 10 of a distributed intelligent payment route, for example, a pay-for-good system.
Referring to fig. 2, the system 10 for implementing distributed intelligent payment routing may include a load balancing apparatus 100, a caching apparatus 200, a plurality of payment system nodes 300, and the like. Referring to fig. 1, the method for implementing the distributed intelligent payment routing may include the following steps:
step S101: the payment system node 300 automatically loads the configured intelligent payment routing rules.
When the payment system node 300 is started, the configured intelligent payment routing configuration rule in the database is automatically inquired, and the configured intelligent payment routing rule is automatically loaded into the memory.
Step S102: the load balancing device 100 forwards the request of the channel merchant to each payment system node 300 according to the pre-configured weight.
Step S103: the payment system node 300 determines whether a corresponding route change flag exists in the caching device 200.
Specifically, when the route change flag does not exist in the caching device 200, step S104 is executed, that is, the payment system node 300 selects a matched channel according to the intelligent payment routing rule to process the request of the channel merchant.
When the route change flag exists in the cache device 200, step S105 is executed, the payment system node 300 updates its own intelligent payment routing rule according to the route change flag, sets the route change flag in the cache device 200, and selects a matching channel according to the updated intelligent payment routing rule to process the request of the channel merchant.
It can be understood that the intelligent payment routing rule with high use frequency is stored in the memory of the payment system node 300, rather than a third-party cache system or a database, so that a large number of IO operations are reduced, IO is optimized to the maximum, and meanwhile, system concurrency and system processing capacity are improved to the maximum. Further, on the premise of not affecting the reliability and consistency of the system, the cache device 200 is used for storing the route change mark, so that the system performance can be greatly improved, and the system throughput is increased.
In this embodiment, when the request of the channel merchant is processed by the selected channel and is abnormal, the payment system node 300 jumps to the state of the channel merchant transaction abnormality, updates the intelligent payment routing rule of itself, and sets the routing change flag in the cache device 200.
In addition, when the selected channel normally processes the request of the channel merchant, the payment system node 300 jumps to a state where the channel merchant normally transacts.
Further, as shown in fig. 3, the step of selecting a matching channel to process the request of the channel merchant specifically includes the following steps:
step S201: the payment system node 300 sequentially judges the designated routing rule, the static routing rule and the dynamic routing rule, and selects a matched channel routing list.
Step S202: the payment system node 300 checks the limiting conditions for the channels in the channel routing list in sequence, selects the channel with the highest priority from the matched channels according to the preset priority sequence, and selects the channel to process the request of the channel merchant.
In order to facilitate flexibility of platform operation, the implementation system 10 of the distributed intelligent payment route further includes an operation management device 400, and before the step of forwarding the request of the channel merchant to each payment system node 300 by the load balancing device 100 according to the preconfigured weight, the implementation method of the distributed intelligent payment route further includes the following steps:
the operation management device 400 receives and stores the changed intelligent payment routing rule.
Under the effect that the payment system node 300 receives an external manual trigger instruction, the operation management device 400 issues the intelligent payment routing rule to the payment system node 300.
Further, in order to increase the robustness of the system, the load balancing apparatus 100 includes a main load balancing apparatus 100 and a standby load balancing apparatus 100. When the main load balancing device 100 is abnormal, the standby load balancing device 100 is started to perform a replacement operation. Specifically, when an abnormality occurs in the main load balancing apparatus 100, the backup load balancing apparatus 100 replaces the operation of the main load balancing apparatus 100.
Referring to fig. 3, the load balancing apparatus 100 may include a forwarding module 101, and the payment system node 300 may include a loading module 301, a determining module 302, a selecting module 303, a skipping module 304, and the like. The operation management device 400 may include a storage module 401 and a transmission module 402.
The above functional blocks will be described in detail below. It is worth mentioning that the following description of the functional modules may refer to the corresponding parts in the above method embodiments.
The loading module 301 is configured to automatically load the configured intelligent payment routing rule.
The forwarding module 101 is configured to forward the request of the channel merchant to each payment system node 300 according to a preconfigured weight.
The determining module 302 is configured to determine whether a corresponding route change flag exists in the caching apparatus 200.
The selecting module 303 is configured to select a matched channel according to the intelligent payment routing rule to process the request of the channel merchant when the route change flag does not exist.
If the route change mark exists, the updating module is used for updating the self intelligent payment routing rule according to the route change mark; the setting module is configured to set a route change flag in the cache apparatus 200; the selecting module 303 is further configured to select a matched channel according to the updated intelligent payment routing rule to process the request of the channel merchant.
When the request of the channel merchant is processed to be abnormal by the selected channel, the skipping module 304 is configured to skip to the state of transaction abnormality of the channel merchant; the updating module is also used for updating the intelligent payment routing rule of the updating module; the setting module is further configured to set a route change flag in the cache apparatus 200.
When the selected channel normally processes the request of the channel merchant, the skipping module 304 is further configured to skip to a state where the channel merchant normally transacts.
The determining module 302 is further configured to sequentially determine the specified routing rule, the static routing rule, and the dynamic routing rule, and select a matching channel routing list.
The selecting module 303 is further configured to check the channels in the channel routing list in sequence for limiting conditions, sort the matched channels according to a preset priority, select a channel with the highest priority, and select the channel to process the request of the channel merchant.
The storage module 401 is configured to receive and store the changed intelligent payment routing rule;
the sending module 402 is configured to issue the intelligent payment routing rule to the payment system node 300 under the effect that the payment system node 300 receives an external manual trigger instruction.
The load balancing apparatus 100 includes a main load balancing apparatus 100 and a backup load balancing apparatus 100, and when an abnormality occurs in the main load balancing apparatus 100, the backup load balancing apparatus 100 is activated to perform a replacement operation.
In summary, the configured intelligent payment routing rule is automatically loaded by the payment system node 300, and the load balancing apparatus 100 forwards the request of the channel merchant to each payment system node 300 according to the pre-configured weight. The payment system node 300 determines whether a corresponding route change flag exists in the caching device 200, and if the route change flag does not exist, the payment system node 300 selects a matched channel according to the intelligent payment routing rule to process the request of the channel merchant; if the route change mark exists, the payment system node 300 updates the self intelligent payment route rule according to the route change mark, then sets the route change mark in the cache device 200, and selects a matched channel according to the updated intelligent payment route rule to process the request of the channel merchant. Because the technical schemes of the load balancing device 100 and the cache device 200 are mature, the technical cost of the system is very low, the system does not need to be deeply embedded, and the whole system framework has good stability and portability.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. In addition, the functional modules in the embodiments of the present invention may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes. It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention. It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.

Claims (10)

1. The implementation method of the distributed intelligent payment route is applied to an implementation system of the distributed intelligent payment route, and is characterized in that the implementation system of the distributed intelligent payment route comprises a load balancing device, a caching device and a plurality of payment system nodes, and the implementation method of the distributed intelligent payment route comprises the following steps:
the payment system node automatically loads the configured intelligent payment routing rule;
the load balancing device forwards the request of the channel merchant to each payment system node according to the pre-configured weight;
the payment system node judges whether a corresponding route change mark exists in the cache device or not;
if the route change mark does not exist, the payment system node selects a matched channel to process the request of the channel merchant according to the intelligent payment routing rule;
if the route change mark exists, the payment system node updates the self intelligent payment route rule according to the route change mark, then sets the route change mark in the cache device, and selects a matched channel according to the updated intelligent payment route rule to process the request of the channel merchant.
2. The method of claim 1, wherein the method further comprises:
when the request of the channel merchant is processed by the selected channel to be abnormal, the payment system node jumps to the state of the channel merchant with abnormal transaction, updates the self intelligent payment routing rule and sets a routing change mark in the cache device;
and when the selected channel normally processes the request of the channel merchant, the payment system node jumps to the normal transaction state of the channel merchant.
3. The method for implementing distributed intelligent payment routing according to claim 1, wherein the step of selecting the matching channel to process the request of the channel merchant specifically includes:
the payment system node sequentially judges a designated routing rule, a static routing rule and a dynamic routing rule and selects a matched channel routing list;
and the payment system node checks the limiting conditions of the channels in the channel routing list in sequence, selects the channel with the highest priority from the matched channels according to the preset priority sequence, and selects the channel to process the request of the channel merchant.
4. The method for implementing the distributed intelligent payment routing according to claim 1, wherein the system for implementing the distributed intelligent payment routing further comprises an operation management device, and before the step of forwarding the request of the channel merchant to each payment system node by the load balancing device according to the preconfigured weight, the method for implementing the distributed intelligent payment routing further comprises the following steps:
the operation management device receives and stores the changed intelligent payment routing rule;
and under the action that the payment system node receives an external manual trigger instruction, the operation management device issues the intelligent payment routing rule to the payment system node.
5. The method for implementing the distributed intelligent payment routing according to any one of claims 1 to 4, wherein the load balancing device comprises a main load balancing device and a backup load balancing device, wherein the backup load balancing device is activated to perform a replacement operation when the main load balancing device is abnormal.
6. The utility model provides a distributed intelligent payment routing's implementation system, its characterized in that includes load balancing unit, buffer and a plurality of payment system node, load balancing unit is including the module of forwardding, the payment system node is including loading module, judging module and selection module, wherein:
the loading module is used for automatically loading the configured intelligent payment routing rule;
the forwarding module is used for forwarding the request of the channel merchant to each payment system node according to the pre-configured weight;
the judging module is used for judging whether a corresponding route change mark exists in the cache device;
the selection module is used for selecting a matched channel according to the intelligent payment routing rule to process the request of the channel merchant when the routing change mark does not exist;
if the route change mark exists, an updating module is used for updating the intelligent payment routing rule of the self according to the route change mark; the setting module is used for setting a route change mark in the cache device; and the selection module is also used for selecting a matched channel according to the updated intelligent payment routing rule to process the request of the channel merchant.
7. The system of claim 6, wherein the payment system node further comprises a skip module, wherein:
when the request of the channel merchant is processed to be abnormal by the selected channel, the skipping module is used for skipping to the state of transaction abnormity of the channel merchant; the updating module is also used for updating the intelligent payment routing rule of the updating module; the setting module is further configured to set a route change flag in the cache device;
and when the selected channel normally processes the request of the channel merchant, the skipping module is also used for skipping to the normal transaction state of the channel merchant.
8. The distributed intelligent payment routing fulfillment system as claimed in claim 6,
the judging module is also used for sequentially judging the specified routing rule, the static routing rule and the dynamic routing rule and selecting a matched channel routing list;
the selection module is further configured to check the channels in the channel routing list for limiting conditions in sequence, select a channel with the highest priority from the matched channels according to a preset priority sequence, and select the channel to process the request of the channel merchant.
9. The system for implementing distributed intelligent payment routing according to claim 6, further comprising an operation management device, wherein the operation management device comprises a storage module and a transmission module,
the storage module is used for receiving and storing the changed intelligent payment routing rule;
and the sending module is used for sending the intelligent payment routing rule to the payment system node under the action of receiving an external manual trigger instruction by the payment system node.
10. The system for implementing distributed intelligent payment routing according to any one of claims 6 to 9, wherein the load balancing device comprises a main load balancing device and a backup load balancing device, wherein the backup load balancing device is activated to perform a replacement operation when an abnormality occurs in the main load balancing device.
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