CN110264171A - Distributed bill processing method, device, equipment and computer readable storage medium - Google Patents
Distributed bill processing method, device, equipment and computer readable storage medium Download PDFInfo
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- CN110264171A CN110264171A CN201910504141.XA CN201910504141A CN110264171A CN 110264171 A CN110264171 A CN 110264171A CN 201910504141 A CN201910504141 A CN 201910504141A CN 110264171 A CN110264171 A CN 110264171A
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- disbursement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y04—INFORMATION OR COMMUNICATION TECHNOLOGIES HAVING AN IMPACT ON OTHER TECHNOLOGY AREAS
- Y04S—SYSTEMS INTEGRATING TECHNOLOGIES RELATED TO POWER NETWORK OPERATION, COMMUNICATION OR INFORMATION TECHNOLOGIES FOR IMPROVING THE ELECTRICAL POWER GENERATION, TRANSMISSION, DISTRIBUTION, MANAGEMENT OR USAGE, i.e. SMART GRIDS
- Y04S40/00—Systems for electrical power generation, transmission, distribution or end-user application management characterised by the use of communication or information technologies, or communication or information technology specific aspects supporting them
- Y04S40/20—Information technology specific aspects, e.g. CAD, simulation, modelling, system security
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Abstract
The present invention relates to financial technology fields, and disclose a kind of distributed bill processing method, comprising: when receiving payment request, are based on the corresponding file address of the payment request, download the corresponding billing files in the file address；It reads the element of transaction of each Transaction Information in the billing files, and is based on the element of transaction, determine corresponding first channel of disbursement of each Transaction Information in the billing files, and the billing files are split into the corresponding sub- billing files of first channel of disbursement；First channel of disbursement is detected, determines whether first channel of disbursement can be used；If available, the sub- billing files are sent to first channel of disbursement.The invention also discloses a kind of distributed bill processing unit, equipment and a kind of computer readable storage mediums.The present invention selects available channel of disbursement by element of transaction, improves payment success rate.
Description
Technical field
The present invention relates to financial technology (Fintech) technical field, more particularly to distributed bill processing method, device,
Equipment and computer readable storage medium.
Background technique
In recent years, with financial technology (Fintech), the especially continuous development of internet finance, payment technology on line
It is introduced into the daily service of bank and other financial mechanism.During financial institution's current transaction, distributed bill processing system
System carries out processing of paying the bill/withhold in different channel of disbursement according to the payment in bill/information of withholing.
However, existing processing mode of paying the bill/withhold can not detect the health status of channel of disbursement, cause to pay
Fail, pay delay or repeat the problems such as paying, such as the availability of channel of disbursement can not be assessed, can not also be directed to and work as
The processing capacity of preceding each channel of disbursement adjusts, such as reduces the transaction request frequency, can not also occur in current channel of disbursement
Automatic fusing etc. is carried out when failure, when as unavailable such as channel of disbursement, stopping processing etc..The means of payment can not intelligence on i.e. existing line
Available channel of disbursement can be selected, causes to pay the lower problem of success rate.
Summary of the invention
It is a primary object of the present invention to propose a kind of distributed bill processing method, device, equipment with it is computer-readable
Storage medium, it is intended to improve payment success rate.
To achieve the above object, the present invention provides a kind of distributed bill processing method, the distribution bill processing side
Method includes the following steps:
When receiving payment request, it is based on the corresponding file address of the payment request, downloads the file address pair
The billing files answered；
The element of transaction of each Transaction Information in the billing files is read, and is based on the element of transaction, determines the account
Corresponding first channel of disbursement of each Transaction Information in monofile, and the billing files are split into first channel of disbursement pair
The sub- billing files answered；
First channel of disbursement is detected, determines whether first channel of disbursement can be used；
If available, the sub- billing files are sent to first channel of disbursement.
Preferably, described when receiving payment request, it is based on the corresponding file address of the payment request, described in downloading
The step of corresponding billing files in file address includes:
When receiving payment request, the corresponding file address of the payment request and file cryptographic Hash are obtained；
The corresponding billing files in the file address are downloaded, and are based on the file cryptographic Hash, to the billing files
Integrality is tested；
If it is determined that the billing files are complete, then the element of transaction for reading each Transaction Information in the billing files is executed,
And it is based on the element of transaction, determine corresponding first channel of disbursement of each Transaction Information in the billing files, and by the account
Monofile splits into the step of first channel of disbursement corresponding sub- billing files.
Preferably, the element of transaction for reading each Transaction Information in the billing files, and it is based on the element of transaction,
It determines corresponding first channel of disbursement of each Transaction Information in the billing files, and the billing files is split into described first
The step of channel of disbursement corresponding sub- billing files includes:
The element of transaction of each Transaction Information in the billing files is read, the element of transaction includes product code and gold
Volume；
Based on the product code and the amount of money, determine that each Transaction Information corresponding first is paid in the billing files
Channel, and the billing files are split into the corresponding sub- billing files of first channel of disbursement.
Preferably, described to be based on the product code and the amount of money, determine each Transaction Information pair in the billing files
The step of the first channel of disbursement answered includes:
Based on the product code, product category belonging to each Transaction Information in the billing files is determined；
The limit amount of money based on the amount of money and the product category determines that each Transaction Information is corresponding in the billing files
The first channel of disbursement.
Preferably, described that first channel of disbursement is detected, determine whether first channel of disbursement is available
Step includes:
The history availability of first channel of disbursement is obtained, the history availability is based on, determines first payment
Channel to be detected in channel；
Default detection packet, and the detection result returned based on the channel to be detected are sent to the channel to be detected, is sentenced
Whether the channel to be detected that breaks can be used.
Preferably, if it is described available, after the step of sub- billing files are sent to first channel of disbursement,
The method also includes:
The health status of first channel of disbursement is monitored, and executes the corresponding implementation strategy of the health status；
Wherein, when monitoring the health status is that unit time success rate is lower than preset threshold, the health is determined
The corresponding implementation strategy of state is fusing processing, and is based on the implementation strategy, and the first channel of disbursement is fused.
Preferably, described that first channel of disbursement is detected, determine whether first channel of disbursement is available
After step, the method also includes:
If unavailable, the sub- billing files are sent to mistake channel；
When receiving the identification information that the mistake channel is sent based on the sub- billing files, believed based on the mark
Breath, determines corresponding second channel of disbursement of the sub- billing files；
Sub- billing files are sent to second channel of disbursement.
In addition, to achieve the above object, the present invention also provides a kind of distributed bill processing unit, the distribution bill
Processing unit includes:
Download module downloads institute for being based on the corresponding file address of the payment request when receiving payment request
State the corresponding billing files in file address；
Determining module is wanted for reading the element of transaction of each Transaction Information in the billing files, and based on the transaction
Element determines corresponding first channel of disbursement of each Transaction Information in the billing files, and the billing files is split into described
The corresponding sub- billing files of first channel of disbursement；
Detecting module determines whether first channel of disbursement can be used for detecting to first channel of disbursement；
Sending module, if the sub- billing files are sent to first channel of disbursement for available.
Preferably, the download module is also used to:
When receiving payment request, the corresponding file address of the payment request and file cryptographic Hash are obtained；
The corresponding billing files in the file address are downloaded, and are based on the file cryptographic Hash, to the billing files
Integrality is tested；
If it is determined that the billing files are complete, then the element of transaction for reading each Transaction Information in the billing files is executed,
And it is based on the element of transaction, determine corresponding first channel of disbursement of each Transaction Information in the billing files, and by the account
Monofile splits into the step of first channel of disbursement corresponding sub- billing files.
Preferably, the determining module is also used to:
The element of transaction of each Transaction Information in the billing files is read, the element of transaction includes product code and gold
Volume；
Based on the product code and the amount of money, determine that each Transaction Information corresponding first is paid in the billing files
Channel, and the billing files are split into the corresponding sub- billing files of first channel of disbursement.
Preferably, the determining module is also used to:
Based on the product code, product category belonging to each Transaction Information in the billing files is determined；
The limit amount of money based on the amount of money and the product category determines that each Transaction Information is corresponding in the billing files
The first channel of disbursement.
Preferably, the detecting module is also used to:
The history availability of first channel of disbursement is obtained, the history availability is based on, determines first payment
Channel to be detected in channel；
Default detection packet, and the detection result returned based on the channel to be detected are sent to the channel to be detected, is sentenced
Whether the channel to be detected that breaks can be used.
Preferably, the distributed bill processing unit further includes monitoring module, and the monitoring module is used for:
The health status of first channel of disbursement is monitored, and executes the corresponding implementation strategy of the health status；
Wherein, when monitoring the health status is that unit time success rate is lower than preset threshold, the health is determined
The corresponding implementation strategy of state is fusing processing, and is based on the implementation strategy, and the first channel of disbursement is fused.
Preferably, the sending module is also used to:
If unavailable, the sub- billing files are sent to mistake channel；
When receiving the identification information that the mistake channel is sent based on the sub- billing files, believed based on the mark
Breath, determines corresponding second channel of disbursement of the sub- billing files；
The sub- billing files are sent to second channel of disbursement.
In addition, to achieve the above object, the present invention also provides a kind of distributed bill processing equipment, the distribution bill
Processing equipment includes: memory, processor and is stored in the distribution that can be run on the memory and on the processor
Bill processing routine, the distribution bill processing routine realize distributed bill as described above when being executed by the processor
The step of processing method.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Distributed bill processing routine is stored on storage medium, the distribution bill processing routine is realized such as when being executed by processor
Above the step of distributed bill processing method.
Distribution bill processing method proposed by the present invention is based on the payment request pair when receiving payment request
The corresponding billing files in the file address are downloaded in the file address answered；Read the friendship of each Transaction Information in the billing files
Easy element, and it is based on the element of transaction, determine corresponding first channel of disbursement of each Transaction Information in the billing files, and will
The billing files split into the corresponding sub- billing files of first channel of disbursement；First channel of disbursement is visited
It surveys, determines whether first channel of disbursement can be used；If available, the sub- billing files are sent to the first payment canal
Road.The present invention selects available channel of disbursement by element of transaction, improves payment success rate.
Detailed description of the invention
Fig. 1 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of the distributed bill processing method first embodiment of the present invention；
Fig. 3 is the flow diagram of the distributed bill processing method second embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
As shown in Figure 1, Fig. 1 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
The terminal of that embodiment of the invention can be PC machine or server apparatus.
As shown in Figure 1, the terminal may include: processor 1001, such as CPU, network interface 1004, user interface
1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is for realizing the connection communication between these components.
User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include that the wired of standard connects
Mouth, wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, be also possible to stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
It will be understood by those skilled in the art that device structure shown in Fig. 1 does not constitute the restriction to equipment, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module, Subscriber Interface Module SIM and distributed bill processing routine.
Wherein, operating system is to manage and control the program of distributed bill processing equipment and software resource, supports network
The operation of communication module, Subscriber Interface Module SIM, distributed bill processing routine and other programs or software；Network communication module
For managing and controlling network interface 1002；Subscriber Interface Module SIM is for managing and controlling user interface 1003.
In distributed bill processing equipment shown in Fig. 1, the distribution bill processing equipment passes through processor 1001
The distributed bill processing routine stored in memory 1005 is called, and executes each implementation of following distributed bill processing methods
Operation in example.
Based on above-mentioned hardware configuration, the distributed bill processing method embodiment of the present invention is proposed.
It is the flow diagram of the distributed bill processing method first embodiment of the present invention, the method referring to Fig. 2, Fig. 2
Include:
Step S10 is based on the corresponding file address of the payment request, downloads the text when receiving payment request
The corresponding billing files in part address；
Step S20 reads the element of transaction of each Transaction Information in the billing files, and is based on the element of transaction, really
Corresponding first channel of disbursement of each Transaction Information in the fixed billing files, and the billing files are split into described first
Pay the corresponding sub- billing files of channel；
Step S30 detects first channel of disbursement, determines whether first channel of disbursement can be used；
If the sub- billing files are sent to first channel of disbursement available by step S40.
The present embodiment in the process of processing, is passing through the transaction of Transaction Information each in billing files to distributed bill
Element determines corresponding available channel of disbursement, to complete to pay on line using available channel of disbursement, raising is paid successfully
Rate.
Each step will be described in detail below:
Step S10 is based on the corresponding file address of the payment request, downloads the text when receiving payment request
The corresponding billing files in part address.
The present embodiment distribution bill processing method is applied to the distribution of the financing financial institutions such as mechanism or banking system
In formula bill processing equipment, for convenience of description, distributed bill processing equipment hereinafter referred to as processing equipment, wherein processing equipment
The payment request sent for receiving up-stream system by information middleware, and complete to pay on line according to payment request.Upstream
System refers to that the bill of each distributed deployment receives system, for accessing processing equipment, sends out such as reconciliation platform, and to processing equipment
Send payment request, wherein payment request includes that channel number, file batch number, file address, the file of access present treatment equipment are breathed out
The information such as uncommon value, file stroke count, the file amount of money and file type (pay the bill/withhold).
When processing equipment receives payment request, by reading the file address in payment request, and according to file
Location is gone in corresponding database to download corresponding billing files.
Specifically, step S10 includes:
When receiving payment request, the corresponding file address of the payment request and file cryptographic Hash are obtained；
In this step, processing equipment obtains the corresponding file address of payment request and text when receiving payment request
Part cryptographic Hash, i.e. processing equipment first determine the source of the corresponding billing files of payment request.
The corresponding billing files in the file address are downloaded, and are based on the file cryptographic Hash, to the billing files
Integrality is tested；
In this step, processing equipment downloads corresponding billing files according to file address in corresponding database, and
Integrality based on file cryptographic Hash reconciliation monofile is verified.
Characteristic wherein can not be changed due to file cryptographic Hash, it may be determined that whether current bill file is modified, and is not repaired
The billing files changed are determined as completely.
In addition, can also whether consistent with preset file format by determining the format of current bill file, to verify
It include the amount of money and file type information in the integrality of current bill file, such as preset file format, then only needing really
It whether is that can determine whether current bill file is complete comprising information such as the amount of money and file types in settled preceding billing files.
If it is determined that the billing files are complete, then the element of transaction for reading each Transaction Information in the billing files is executed,
And it is based on the element of transaction, determine corresponding first channel of disbursement of each Transaction Information in the billing files, and by the account
Monofile splits into the step of first channel of disbursement corresponding sub- billing files.
In this step, only determine that current bill file is complete, just continues to execute step S20；If it is determined that current bill
File is imperfect, then is defective document by current bill file mark, and current bill file is sent to mistake channel, by phase
Pass personnel carry out completion to it.
Step S20 reads the element of transaction of each Transaction Information in the billing files, and is based on the element of transaction, really
Corresponding first channel of disbursement of each Transaction Information in the fixed billing files, and the billing files are split into described first
Pay the corresponding sub- billing files of channel.
In the present embodiment, processing equipment reads the element of transaction of each Transaction Information in current bill file, wherein transaction
Element includes product code, bank, the amount of money and type of transaction etc., and processing equipment determines current bill file according to element of transaction
In corresponding first channel of disbursement of each Transaction Information, i.e., processing equipment is by reading the friendship of each Transaction Information in current bill file
Easy element is that every Transaction Information selects optimal channel of disbursement in billing files.At this point, each is traded in current bill file
Information is all corresponding with the channel of disbursement of oneself, and each channel of disbursement can correspond to a plurality of Transaction Information, therefore, the first payment
Channel particular number is corresponding with the Transaction Information in current bill file, and by current bill file declustering at the first channel of disbursement
Corresponding several sub- billing files, i.e. each sub- billing files all correspond to a channel of disbursement.
Specifically, step S20 includes:
Step a, reads the element of transaction of each Transaction Information in the billing files, and the element of transaction includes product code
And the amount of money；
In this step, processing equipment reads the element of transaction of each Transaction Information in current bill file, the element of transaction
It is the foundation that every Transaction Information selects optimal channel of disbursement as processing equipment including product code and the amount of money.
Step b is based on the product code and the amount of money, determines in the billing files each Transaction Information corresponding the
One channel of disbursement, and the billing files are split into the corresponding sub- billing files of first channel of disbursement.
In this step, processing equipment is based on product code and the amount of money, determines each Transaction Information pair in current bill file
The first channel of disbursement answered, if product code is 1, the amount of money is lower than 5000 Transaction Information, and corresponding channel of disbursement is A payment
Channel, product code 2, the amount of money are higher than 5000 Transaction Information, and corresponding channel of disbursement is B channel of disbursement etc., and will be worked as
Preceding billing files split into the corresponding sub- billing files of the first channel of disbursement, that is, by same payment affiliated in current bill file
The Transaction Information of channel is concluded together, if included four Transaction Informations of first, second, third and fourth in current bill file, first and
Second corresponding A channel of disbursement, third and fourth correspond to B channel of disbursement, then by current bill file declustering be two sub- billing files, wherein
One sub- billing files includes first and second, and corresponding channel of disbursement is A channel of disbursement, and another sub- billing files include the third He
Fourth, corresponding channel of disbursement are B channel of disbursement.
It should be understood that processing equipment can also read the type of transaction of each Transaction Information in current bill file, foundation
Type of transaction selects corresponding channel of disbursement, and class Transaction Information of such as paying the bill selects A channel of disbursement, and class Transaction Information selection of withholing
B channel of disbursement etc..
Bank belonging to each Transaction Information in current bill file can also be read, according to the corresponding payment canal of bank's selection
Road, such as industrial and commercial bank, Bank of China and Construction Bank be due to there is a quota regulation, selects C channel of disbursement, and China Citic Bank, trick
Quotient bank and Guangdong Development Bank etc. select D channel of disbursement etc. due to not having quota regulation.
Further, step b includes:
Based on the product code, product category belonging to each Transaction Information in the billing files is determined；
In this step, processing equipment is based on product code, determines production belonging to each Transaction Information in current bill file
Category is other, specifically, presetting the contingency table of a set of product code-product category, reads current bill file in processing equipment
After the product code of each Transaction Information, it can be determined by product code and preset product code-product category contingency table each
Product type belonging to Transaction Information.
The limit amount of money based on the amount of money and the product category determines that each Transaction Information is corresponding in the billing files
The first channel of disbursement.
In this step, product category belonging to the amount of money and each Transaction Information of the processing equipment according to each Transaction Information
The limit amount of money, corresponding first channel of disbursement of each Transaction Information in current bill file is determined, as the limit amount of money of E product is
5000, there are two about E product in the Transaction Information in current bill file, wherein one is 10,000, one is 3000,10,000
Transaction Information due to being more than the limit amount of money, belong to block trade, should walk wholesale channel of disbursement, and 3000 Transaction Information
Due to being less than the limit amount of money, belongs to penny ante, small amount payment channel etc. should be walked.
Further, element of transaction further includes transaction timeliness, and the step of determining the first channel of disbursement can also include:
The transaction timeliness for reading each Transaction Information in current bill file is determined each in billing files based on transaction timeliness
Corresponding first channel of disbursement of Transaction Information.
Consider the timeliness of transaction, rapid payment channel is selected for the more nervous Transaction Information of transaction timeliness, to hand over
The Transaction Information that easy timeliness takes it easy selects common channel of disbursement etc..
Further, the step of element of transaction includes the amount of money, determines the first channel of disbursement can also include:
The amount of money of each Transaction Information in current bill file is read, and determine the channel of disbursement of currently processed equipment interconnection
Channel takes, it is possible to understand that, each channel of disbursement is all corresponding with channel expense, and the calculating that channel takes is mainly to hand over according to current
The easy amount of money of information and the fees policy of each channel of disbursement are obtained, therefore, can be passed through by calculating each Transaction Information
The channel of each channel of disbursement takes, and then channel is selected to take channel of disbursement of the low channel of disbursement as currency transaction information.
Step S30 detects first channel of disbursement, determines whether first channel of disbursement can be used.
In the present embodiment, right in current bill file has been determined after corresponding first channel of disbursement of each Transaction Information
First channel of disbursement is detected, namely is visited one by one to channel of disbursement corresponding to each Transaction Information in current bill file
It surveys, so that it is determined that whether the first channel of disbursement can be used, it is possible to understand that, due to quantity and the current bill text of the first channel of disbursement
The Transaction Information that includes in part is corresponding, therefore, when Transaction Information has it is a plurality of when, and respectively correspond to different channel of disbursement when
It waits, the first channel of disbursement includes at least two channel of disbursement, when detecting to the first channel of disbursement, only all payments
Channel is all available, just determines that the first channel of disbursement is available；If wherein there is a channel of disbursement unavailable, the first channel of disbursement is not
It can use.
Specifically detection mode includes:
Default detection packet, and the detection result returned based on first channel of disbursement are sent to first channel of disbursement
And preset rules, judge whether first channel of disbursement can be used.
In this step, default detection packet, namely the respectively transaction letter into current bill file are sent to the first channel of disbursement
It ceases corresponding channel of disbursement and sends default detection packet, wherein default detection packet is the bill information of mock trading information, specific to wrap
Include the amount of money, default detection packet is sent to the first channel of disbursement by the element of transaction such as bank and type of transaction, detect whether payment at
Function, if so, determining that the first channel of disbursement is available.
If the sub- billing files are sent to first channel of disbursement available by step S40.
In the present embodiment, however, it is determined that the first channel of disbursement is available, then sub- billing files is sent to the first channel of disbursement,
To complete to pay on line.
Further, if it is unavailable, the sub- billing files are sent to mistake channel；
In this step, however, it is determined that the first channel of disbursement is unavailable, then corresponding sub- billing files is sent to mistake and led to
Road, wherein mistake channel is artificial judgment channel, can not determine the corresponding channel of disbursement of sub- billing files in processing equipment
When, artificial judgment channel is transferred to, it is manually selected and is marked by corresponding maintenance personnel.
When receiving the identification information that the mistake channel is sent based on the sub- billing files, believed based on the mark
Breath, determines corresponding second channel of disbursement of the sub- billing files；
In this step, when receiving the identification information that mistake channel is sent based on sub- billing files, believed according to mark
Breath, determines corresponding second channel of disbursement of sub- billing files, i.e., in mistake channel, by corresponding maintenance personnel manually to sub- account
Monofile carries out matching channel of disbursement, and generates corresponding identification information, and processing equipment, can be true after receiving identification information
Corresponding second channel of disbursement of stator billing files, it should be noted that the first channel of disbursement and the second channel of disbursement can be
Identical, i.e., after processing equipment determines that the first channel of disbursement is unavailable, corresponding maintenance personnel has still selected the first payment canal
Road.Certainly, it is identical or entirely different to be also possible to part for the first channel of disbursement and the second channel of disbursement.
The sub- billing files are sent to second channel of disbursement.
In this step, after determining corresponding second channel of disbursement of sub- bill according to identification information, by sub- billing files
It is sent to the second channel of disbursement, to complete to pay on line.
The present embodiment is based on the corresponding file address of the payment request, downloads the text when receiving payment request
The corresponding billing files in part address；The element of transaction of each Transaction Information in the billing files is read, and is wanted based on the transaction
Element determines corresponding first channel of disbursement of each Transaction Information in the billing files, and the billing files is split into described
The corresponding sub- billing files of first channel of disbursement；First channel of disbursement is detected, determines first channel of disbursement
Whether can be used；If available, the sub- billing files are sent to first channel of disbursement.The present invention is selected by element of transaction
Available channel of disbursement is selected, payment success rate is improved.
Further, based on the distributed bill processing method first embodiment of the present invention, the distributed bill of the present invention is proposed
Processing method second embodiment.
The difference of the second embodiment of distributed bill processing method and the first embodiment of distributed bill processing method
It is, includes: referring to Fig. 3, step S30
Step S31 obtains the history availability of first channel of disbursement, is based on the history availability, determine described in
Channel to be detected in first channel of disbursement；
Step S32 sends default detection packet, and the detection returned based on the channel to be detected to the channel to be detected
As a result, judging whether the channel to be detected can be used.
The present embodiment when being detected to the first channel of disbursement, only need to detect need to detect in the first channel of disbursement to
Channel is detected, detection cost is reduced, improves detection efficient.
Each step will be described in detail below:
Step S31 obtains the history availability of first channel of disbursement, is based on the history availability, determine described in
Channel to be detected in first channel of disbursement；
In the present embodiment, processing equipment obtains the history availability of the first channel of disbursement, according to history availability, determines
That is, in the present embodiment the channel to be detected for needing to detect in first channel of disbursement does not need respectively to hand in current bill file
The easy corresponding all channel of disbursement of information are detected, but first from all channel of disbursement, according to each channel of disbursement
History availability finds the channel to be detected for needing to detect.
Specifically, the payment success rate of the first channel of disbursement is determined from previous payment record, as A channel of disbursement is paid
Cross 100 times, succeeded 30 times, then it be the availability of 30% namely A channel of disbursement is 30% that it, which pays success rate, by its with it is pre-
If availability is compared, such as default availability is 50%, it is clear that the history availability of A channel of disbursement is lower than default availability,
Then A channel of disbursement is channel to be detected；If the history availability of A channel of disbursement is not less than default availability, A channel of disbursement is not
It is detected.
Further, the history availability in the first channel of disbursement preset time is obtained, and can based on the history
With property, the channel to be detected for needing to detect in first channel of disbursement is determined.
In this step, to avoid the historical record of the first channel of disbursement more, processing equipment is caused to need cost longer
Time go to count, therefore, the history availability in the first channel of disbursement preset time can be obtained, in the specific implementation, preset
Time is three days, i.e., need to only obtain the history availability in the first channel of disbursement three days and can determine and need in the first channel of disbursement
The channel to be detected of detection, specific detection mode is similar to above, and details are not described herein.
Step S32 sends default detection packet, and the detection returned based on the channel to be detected to the channel to be detected
As a result, judging whether the channel to be detected can be used.
In this step, for processing equipment to channel to be detected, that is, the channel of disbursement for needing to detect sends default detection packet,
In, the bill information that detection packet is mock trading information is preset, specifically includes the amount of money, the element of transaction such as bank and type of transaction,
Default detection packet is sent to channel to be detected, if paying successfully, channel to be detected, which returns, pays successful detection result, from
And determine that channel to be detected is available.
Further, step S32 includes:
The default detection packet of preset times is sent to the channel to be detected, and counts the spy that the channel to be detected returns
Survey result；Based on the detection result and preset rules, judge whether the channel to be detected can be used.
In this step, processing equipment sends the default detection packet of preset times to channel to be detected, and counts to be detected
The detection result that channel returns, wherein detection result is to pay successfully to fail with payment, and in the specific implementation, preset times are
20 times.Based on detection result and preset rules, judge whether canal to be detected can be used, specific preset rules can be, continuous to pay
Success is considered as 6 times available, i.e., processing equipment sends 20 default detection packets to channel to be detected, and counts detection result, if visiting
There are continuous 6 times in survey result to pay successfully, it is determined that channel to be detected is available；If there is no continuous 6 branch in detection result
It pays successfully, it is determined that channel to be detected is unavailable.
The present embodiment need to only detect the canal to be detected for needing to detect when the availability to the first channel of disbursement detects
Road reduces detection cost, improves detection efficient, available channel of disbursement can be quickly positioned, to improve payment success rate.
Further, based on the present invention the first, second embodiment of distributed bill processing method, propose that the present invention is distributed
Bill processing method 3rd embodiment.
First, second embodiment of the 3rd embodiment and distribution bill processing method of distributed bill processing method
Difference is, the method also includes:
The health status of first channel of disbursement is monitored, and executes the corresponding implementation strategy of the health status；
Wherein, when monitoring the health status is that unit time success rate is lower than preset threshold, the health is determined
The corresponding implementation strategy of state is fusing processing, and is based on the implementation strategy, and the first channel of disbursement is fused.
The present embodiment after each Transaction Information in billing files is sent to the first channel of disbursement, processing equipment also after
The monitor state of the first channel of disbursement of continuous monitoring, avoids the first channel of disbursement from breaking down in payment process, it is such as unavailable and
The problems such as delay, when, it can not make adjustment in time.
Therefore, processing equipment monitors the health status of the first channel of disbursement, and executes the corresponding implementation strategy of health status.
Wherein, specific lower than default when the health status of process equipment monitoring to the first channel of disbursement is that the success of unit time is lower
Threshold value, such as 30% determine the corresponding implementation strategy of current health status as fusing processing, then processing equipment is held based on determining
Row strategy, the first channel of disbursement is fused.
It should be understood that the first channel of disbursement will be unavailable, then at this point, also not after by the fusing of the first channel of disbursement
The Transaction Information for completing to pay on line will be fitted on new channel of disbursement again, and the method for salary distribution is also based on element of transaction progress,
Similar to above, details are not described herein.
Alternatively, when the health status of process equipment monitoring to the first channel of disbursement is that the current Transaction Information for being lined up payment is super
When crossing threshold value, determine that the corresponding implementation strategy of current health status is to reduce billing files being sent to the first channel of disbursement
Frequency etc..
The present embodiment is also monitored the health status of channel of disbursement after billing files are sent to channel of disbursement,
Ensure that each Transaction Information has available channel of disbursement to complete to pay on line in billing files, even if current channel of disbursement occurs
Such as postpone failure, corresponding implementation strategy can also be used in time, improves payment success rate.
The present invention also provides a kind of distributed bill processing units.Distribution bill processing unit of the invention includes:
Download module downloads institute for being based on the corresponding file address of the payment request when receiving payment request
State the corresponding billing files in file address；
Determining module is wanted for reading the element of transaction of each Transaction Information in the billing files, and based on the transaction
Element determines corresponding first channel of disbursement of each Transaction Information in the billing files, and the billing files is split into described
The corresponding sub- billing files of first channel of disbursement；
Detecting module determines whether first channel of disbursement can be used for detecting to first channel of disbursement；
Sending module, if the sub- billing files are sent to first channel of disbursement for available.
Further, the download module is also used to:
When receiving payment request, the corresponding file address of the payment request and file cryptographic Hash are obtained；
The corresponding billing files in the file address are downloaded, and are based on the file cryptographic Hash, to the billing files
Integrality is tested；
If it is determined that the billing files are complete, then the element of transaction for reading each Transaction Information in the billing files is executed,
And it is based on the element of transaction, determine corresponding first channel of disbursement of each Transaction Information in the billing files, and by the account
Monofile splits into the step of first channel of disbursement corresponding sub- billing files.
Further, the determining module is also used to:
The element of transaction of each Transaction Information in the billing files is read, the element of transaction includes product code and gold
Volume；
Based on the product code and the amount of money, determine that each Transaction Information corresponding first is paid in the billing files
Channel.
Further, the determining module is also used to:
Based on the product code, product category belonging to each Transaction Information in the billing files is determined；
The limit amount of money based on the amount of money and the product category determines that each Transaction Information is corresponding in the billing files
The first channel of disbursement.
Further, the detecting module is also used to:
The history availability of first channel of disbursement is obtained, the history availability is based on, determines first payment
Channel to be detected in channel；
Default detection packet, and the detection result returned based on the channel to be detected are sent to the channel to be detected, is sentenced
Whether the channel to be detected that breaks can be used.
Further, the distributed bill processing unit further includes monitoring module, and the monitoring module is used for:
The health status of first channel of disbursement is monitored, and executes the corresponding implementation strategy of the health status；
Wherein, when monitoring the health status is that unit time success rate is lower than preset threshold, the health is determined
The corresponding implementation strategy of state is fusing processing, and is based on the implementation strategy, and the first channel of disbursement is fused.
Further, the sending module is also used to:
If unavailable, the sub- billing files are sent to mistake channel；
When receiving the identification information that the mistake channel is sent based on the sub- billing files, believed based on the mark
Breath, determines corresponding second channel of disbursement of the sub- billing files；
The sub- billing files are sent to second channel of disbursement.
The present invention also provides a kind of computer readable storage mediums.
Distributed bill processing routine, the distribution bill processing are stored on computer readable storage medium of the present invention
The step of distributed bill processing method as described above is realized when program is executed by processor.
Wherein, the distributed bill processing routine run on the processor, which is performed realized method, can refer to
The each embodiment of distribution bill processing method of the invention, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content, is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (16)
1. a kind of distribution bill processing method, which is characterized in that the distribution bill processing method includes the following steps:
When receiving payment request, it is based on the corresponding file address of the payment request, it is corresponding to download the file address
Billing files；
The element of transaction of each Transaction Information in the billing files is read, and is based on the element of transaction, determines the bill text
Corresponding first channel of disbursement of each Transaction Information in part, and it is corresponding that the billing files are split into first channel of disbursement
Sub- billing files；
First channel of disbursement is detected, determines whether first channel of disbursement can be used；
If available, the sub- billing files are sent to first channel of disbursement.
2. distribution bill processing method as described in claim 1, which is characterized in that it is described when receiving payment request,
Based on the corresponding file address of the payment request, the step of downloading the corresponding billing files in the file address, includes:
When receiving payment request, the corresponding file address of the payment request and file cryptographic Hash are obtained；
The corresponding billing files in the file address are downloaded, and are based on the file cryptographic Hash, to the complete of the billing files
Property is tested；
If it is determined that the billing files are complete, then the element of transaction for reading each Transaction Information in the billing files, and base are executed
In the element of transaction, corresponding first channel of disbursement of each Transaction Information in the billing files is determined, and by the bill text
Part splits into the step of first channel of disbursement corresponding sub- billing files.
3. distribution bill processing method as described in claim 1, which is characterized in that described to read in the billing files respectively
The element of transaction of Transaction Information, and it is based on the element of transaction, determine each Transaction Information corresponding first in the billing files
Channel of disbursement, and the step of billing files are split into first channel of disbursement corresponding sub- billing files includes:
The element of transaction of each Transaction Information in the billing files is read, the element of transaction includes product code and the amount of money；
Based on the product code and the amount of money, determine that each Transaction Information corresponding first pays canal in the billing files
Road, and the billing files are split into the corresponding sub- billing files of first channel of disbursement.
4. distribution bill processing method as claimed in claim 3, which is characterized in that described to be based on the product code and institute
The step of stating the amount of money, determining in the billing files each Transaction Information corresponding first channel of disbursement include:
Based on the product code, product category belonging to each Transaction Information in the billing files is determined；
The limit amount of money based on the amount of money and the product category determines each Transaction Information corresponding in the billing files
One channel of disbursement.
5. distribution bill processing method as described in claim 1, which is characterized in that it is described to first channel of disbursement into
Row detection, determine first channel of disbursement whether can with the step of include:
The history availability of first channel of disbursement is obtained, the history availability is based on, determines first channel of disbursement
In channel to be detected；
Default detection packet, and the detection result returned based on the channel to be detected are sent to the channel to be detected, judges institute
State whether channel to be detected can be used.
6. distribution bill processing method as described in claim 1, which is characterized in that if described available, by the sub- account
Monofile was sent to after the step of first channel of disbursement, the method also includes:
The health status of first channel of disbursement is monitored, and executes the corresponding implementation strategy of the health status；
Wherein, when monitoring the health status is that unit time success rate is lower than preset threshold, the health status is determined
The corresponding implementation strategy is fusing processing, and is based on the implementation strategy, and the first channel of disbursement is fused.
7. distribution bill processing method as claimed in any one of claims 1 to 6, which is characterized in that described to described first
Pay channel detected, determine first channel of disbursement whether can with the step of after, the method also includes:
If unavailable, the sub- billing files are sent to mistake channel；
When receiving the identification information that the mistake channel is sent based on the sub- billing files, it is based on the identification information,
Determine corresponding second channel of disbursement of the sub- billing files；
The sub- billing files are sent to second channel of disbursement.
8. a kind of distribution bill processing unit, which is characterized in that the distribution bill processing unit includes:
Download module, for being based on the corresponding file address of the payment request, downloading the text when receiving payment request
The corresponding billing files in part address；
Determining module for reading the element of transaction of each Transaction Information in the billing files, and is based on the element of transaction, really
Corresponding first channel of disbursement of each Transaction Information in the fixed billing files, and the billing files are split into described first
Pay the corresponding sub- billing files of channel；
Detecting module determines whether first channel of disbursement can be used for detecting to first channel of disbursement；
Sending module, if the sub- billing files are sent to first channel of disbursement for available.
9. distribution bill processing unit as claimed in claim 8, which is characterized in that the download module is also used to:
When receiving payment request, the corresponding file address of the payment request and file cryptographic Hash are obtained；
The corresponding billing files in the file address are downloaded, and are based on the file cryptographic Hash, to the complete of the billing files
Property is tested；
If it is determined that the billing files are complete, then the element of transaction for reading each Transaction Information in the billing files, and base are executed
In the element of transaction, corresponding first channel of disbursement of each Transaction Information in the billing files is determined, and by the bill text
Part splits into the step of first channel of disbursement corresponding sub- billing files.
10. distribution bill processing unit as claimed in claim 8, which is characterized in that the determining module is also used to:
The element of transaction of each Transaction Information in the billing files is read, the element of transaction includes product code and the amount of money；
Based on the product code and the amount of money, determine that each Transaction Information corresponding first pays canal in the billing files
Road, and the billing files are split into the corresponding sub- billing files of first channel of disbursement.
11. distribution bill processing unit as claimed in claim 10, which is characterized in that the determining module is also used to:
Based on the product code, product category belonging to each Transaction Information in the billing files is determined；
The limit amount of money based on the amount of money and the product category determines each Transaction Information corresponding in the billing files
One channel of disbursement.
12. distribution bill processing unit as claimed in claim 8, which is characterized in that the detecting module is also used to:
The history availability of first channel of disbursement is obtained, the history availability is based on, determines first channel of disbursement
In channel to be detected；
Default detection packet, and the detection result returned based on the channel to be detected are sent to the channel to be detected, judges institute
State whether channel to be detected can be used.
13. distribution bill processing unit as claimed in claim 8, which is characterized in that the distribution bill processing unit
Further include monitoring module, the monitoring module is used for:
The health status of first channel of disbursement is monitored, and executes the corresponding implementation strategy of the health status；
Wherein, when monitoring the health status is that unit time success rate is lower than preset threshold, the health status is determined
The corresponding implementation strategy is fusing processing, and is based on the implementation strategy, and the first channel of disbursement is fused.
14. such as the described in any item distributed bill processing units of claim 8-13, which is characterized in that the sending module is also
For:
If unavailable, the sub- billing files are sent to mistake channel；
When receiving the identification information that the mistake channel is sent based on the sub- billing files, it is based on the identification information,
Determine corresponding second channel of disbursement of the sub- billing files；
The sub- billing files are sent to second channel of disbursement.
15. a kind of distribution bill processing equipment, which is characterized in that the distribution bill processing equipment includes: memory, place
Reason device and the distributed bill processing routine that is stored on the memory and can run on the processor, the distribution
The distributed bill processing as described in any one of claims 1 to 7 is realized when bill processing routine is executed by the processor
The step of method.
16. a kind of computer readable storage medium, which is characterized in that be stored with distribution on the computer readable storage medium
Bill processing routine, the distribution bill processing routine are realized when being executed by processor such as any one of claims 1 to 7 institute
The step of distributed bill processing method stated.
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| CN110264171B (en) | 2023-04-18 |
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