CN110264171B - 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
- Publication number
- CN110264171B CN110264171B CN201910504141.XA CN201910504141A CN110264171B CN 110264171 B CN110264171 B CN 110264171B CN 201910504141 A CN201910504141 A CN 201910504141A CN 110264171 B CN110264171 B CN 110264171B
- Authority
- CN
- China
- Prior art keywords
- bill
- file
- payment
- payment channel
- channel
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- 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
-
- 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
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention relates to the field of financial science and technology and discloses a distributed bill processing method, which comprises the following steps: when a payment request is received, downloading a bill file corresponding to a file address based on the file address corresponding to the payment request; reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel; detecting the first payment channel and determining whether the first payment channel is available; and if the sub-bill file is available, sending the sub-bill file to the first payment channel. The invention also discloses a distributed bill processing device, equipment and a computer readable storage medium. The invention selects available payment channels through transaction elements, thereby improving the success rate of payment.
Description
Technical Field
The invention relates to the technical field of financial science and technology (Fintech), in particular to a distributed bill processing method, device, equipment and a computer readable storage medium.
Background
In recent years, with the development of financial technology (Fintech), particularly internet finance, online payment technology has been introduced into the daily services of financial institutions such as banks. In the daily transaction process of the financial institution, the distributed bill processing system carries out payment/deduction processing in different payment channels according to payment/deduction information in a bill.
However, the existing payment/deduction processing method cannot detect the health condition of the payment channel, resulting in the problems of payment failure, payment delay or repeated payment, such as failure to evaluate the availability of the payment channel, and the like, and cannot adjust the processing capability of each current payment channel, such as reducing the frequency of transaction requests, and the like, and cannot perform automatic fusing when the current payment channel fails, such as stopping processing when the payment channel is unavailable, and the like. The problem that the payment success rate is low due to the fact that an available payment channel cannot be intelligently selected in an existing online payment mode is solved.
Disclosure of Invention
The invention mainly aims to provide a distributed bill processing method, a distributed bill processing device, distributed bill processing equipment and a computer readable storage medium, and aims to improve the payment success rate.
In order to achieve the above object, the present invention provides a distributed bill processing method, including the steps of:
when a payment request is received, downloading a bill file corresponding to a file address based on the file address corresponding to the payment request;
reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel;
detecting the first payment channel and determining whether the first payment channel is available;
and if the sub-bill file is available, sending the sub-bill file to the first payment channel.
Preferably, when a payment request is received, the step of downloading the bill file corresponding to the file address based on the file address corresponding to the payment request includes:
when a payment request is received, acquiring a file address and a file hash value corresponding to the payment request;
downloading a bill file corresponding to the file address, and checking the integrity of the bill file based on the file hash value;
and if the bill file is determined to be complete, executing the steps of reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel.
Preferably, the step of reading the transaction element of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction element, and splitting the bill file into sub-bill files corresponding to the first payment channel includes:
reading transaction elements of each transaction information in the bill file, wherein the transaction elements comprise product codes and money;
and determining a first payment channel corresponding to each transaction information in the bill file based on the product code and the amount, and splitting the bill file into sub-bill files corresponding to the first payment channel.
Preferably, the step of determining the first payment channel corresponding to each transaction information in the bill file based on the product code and the amount of money includes:
determining a product category to which each transaction information in the bill file belongs based on the product code;
and determining a first payment channel corresponding to each transaction information in the bill file based on the amount and the limit amount of the product category.
Preferably, the detecting the first payment channel, and the determining whether the first payment channel is available includes:
acquiring historical availability of the first payment channel, and determining a channel to be detected in the first payment channel based on the historical availability;
and sending a preset detection packet to the channel to be detected, and judging whether the channel to be detected is available or not based on a detection result returned by the channel to be detected.
Preferably, after the step of sending the sub-bill file to the first payment channel if available, the method further comprises:
monitoring the health state of the first payment channel, and executing an execution strategy corresponding to the health state;
when the success rate of the health state in unit time is monitored to be lower than a preset threshold value, the execution strategy corresponding to the health state is determined to be fusing processing, and the first payment channel is fused based on the execution strategy.
Preferably, after the step of detecting the first payment channel and determining whether the first payment channel is available, the method further comprises:
if not, sending the sub bill file to an error channel;
when identification information sent by the error channel based on the sub bill file is received, determining a second payment channel corresponding to the sub bill file based on the identification information;
and sending the sub-bill file to the second payment channel.
In addition, to achieve the above object, the present invention also provides a distributed bill processing apparatus, including:
the system comprises a downloading module, a payment module and a payment module, wherein the downloading module is used for downloading a bill file corresponding to a file address based on the file address corresponding to a payment request when the payment request is received;
the determining module is used for reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel;
the detection module is used for detecting the first payment channel and determining whether the first payment channel is available;
and the sending module is used for sending the sub-bill file to the first payment channel if the sub-bill file is available.
Preferably, the download module is further configured to:
when a payment request is received, acquiring a file address and a file hash value corresponding to the payment request;
downloading a bill file corresponding to the file address, and checking the integrity of the bill file based on the file hash value;
and if the bill file is determined to be complete, executing the steps of reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel.
Preferably, the determining module is further configured to:
reading transaction elements of each transaction information in the bill file, wherein the transaction elements comprise product codes and money;
and determining a first payment channel corresponding to each transaction information in the bill file based on the product code and the amount, and splitting the bill file into sub-bill files corresponding to the first payment channel.
Preferably, the determining module is further configured to:
determining a product category to which each transaction information in the bill file belongs based on the product code;
and determining a first payment channel corresponding to each transaction information in the bill file based on the amount and the limit amount of the product category.
Preferably, the detection module is further configured to:
acquiring historical availability of the first payment channel, and determining a channel to be detected in the first payment channel based on the historical availability;
and sending a preset detection packet to the channel to be detected, and judging whether the channel to be detected is available or not based on a detection result returned by the channel to be detected.
Preferably, the distributed bill processing apparatus further comprises a monitoring module, and the monitoring module is configured to:
monitoring the health state of the first payment channel, and executing an execution strategy corresponding to the health state;
when the success rate of the health state in unit time is lower than a preset threshold value, the execution strategy corresponding to the health state is determined to be fusing processing, and the first payment channel is fused based on the execution strategy.
Preferably, the sending module is further configured to:
if the sub-bill file is not available, sending the sub-bill file to an error channel;
when identification information sent by the error channel based on the sub-bill file is received, determining a second payment channel corresponding to the sub-bill file based on the identification information;
and sending the sub-bill file to the second payment channel.
In addition, to achieve the above object, the present invention also provides a distributed bill processing apparatus, including: a memory, a processor, and a distributed bill handling program stored on the memory and executable on the processor, the distributed bill handling program when executed by the processor implementing the steps of the distributed bill handling method as described above.
In addition, to achieve the above object, the present invention also provides a computer readable storage medium having a distributed bill processing program stored thereon, which when executed by a processor, implements the steps of the distributed bill processing method as described above.
According to the distributed bill processing method, when a payment request is received, a bill file corresponding to a file address is downloaded based on the file address corresponding to the payment request; reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel; detecting the first payment channel and determining whether the first payment channel is available; and if the sub-bill file is available, sending the sub-bill file to the first payment channel. The invention selects available payment channels through transaction elements, thereby improving the success rate of payment.
Drawings
FIG. 1 is a schematic diagram of an apparatus architecture of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a first embodiment of a distributed bill processing method according to the present invention;
fig. 3 is a flowchart illustrating a distributed bill processing method according to a second embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, fig. 1 is a schematic device structure diagram of a hardware operating environment according to an embodiment of the present invention.
The terminal of the embodiment of the invention can be a PC or a server device.
As shown in fig. 1, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. The communication bus 1002 is used to implement connection communication among these components. The user interface 1003 may include a Display (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration of the apparatus shown in fig. 1 is not intended to be limiting of the apparatus and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, the memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a distributed bill processing program.
The operating system is a program for managing and controlling the distributed bill processing equipment and software resources, and supports the operation of the network communication module, the user interface module, the distributed bill processing program and other programs or software; the network communication module is used for managing and controlling the network interface 1002; the user interface module is used to manage and control the user interface 1003.
In the distributed bill processing apparatus shown in fig. 1, the distributed bill processing apparatus calls a distributed bill processing program stored in the memory 1005 through the processor 1001 and performs operations in the various embodiments of the distributed bill processing method described below.
Based on the hardware structure, the embodiment of the distributed bill processing method is provided.
Referring to fig. 2, fig. 2 is a schematic flow chart of a first embodiment of the distributed bill processing method of the present invention, the method includes:
step S10, when a payment request is received, based on a file address corresponding to the payment request, downloading a bill file corresponding to the file address;
step S20, reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel;
step S30, detecting the first payment channel and determining whether the first payment channel is available;
and S40, if the sub-bill file is available, sending the sub-bill file to the first payment channel.
In the process of processing the distributed bill, the corresponding available payment channel is determined through the transaction elements of the transaction information in the bill file, so that the available payment channel is used for completing online payment, and the payment success rate is improved.
The respective steps will be described in detail below:
and step S10, when a payment request is received, downloading a bill file corresponding to the file address based on the file address corresponding to the payment request.
The distributed bill processing method is applied to distributed bill processing equipment of financial institutions such as financial institutions or bank systems, and for convenience of description, the distributed bill processing equipment is hereinafter referred to as processing equipment for short, wherein the processing equipment is used for receiving a payment request sent by an upstream system through an information middleware and completing online payment according to the payment request. The upstream system refers to each of the bill receiving systems deployed in a distributed manner, and is configured to access a processing device, such as an account reconciliation platform, and send a payment request to the processing device, where the payment request includes information such as a channel number, a file batch number, a file address, a file hash value, a file number, a file amount, and a file type (payment/deduction) of the processing device.
And when the processing equipment receives the payment request, reading the file address in the payment request, and downloading the corresponding bill file in the corresponding database according to the file address.
Specifically, step S10 includes:
when a payment request is received, acquiring a file address and a file hash value corresponding to the payment request;
in this step, when the processing device receives the payment request, the processing device obtains the file address and the file hash value corresponding to the payment request, that is, the processing device determines the source of the bill file corresponding to the payment request first.
Downloading a bill file corresponding to the file address, and checking the integrity of the bill file based on the hash value of the file;
in this step, the processing device downloads the corresponding bill file in the corresponding database according to the file address, and verifies the integrity of the bill file based on the file hash value.
Wherein due to the unalterable nature of the file hash value, it may be determined whether the current billing file is modified, and the unmodified billing file is determined to be complete.
In addition, whether the format of the current bill file is consistent with the preset file format or not can be determined to check the integrity of the current bill file, and if the preset file format comprises information such as money amount, file type and the like, whether the current bill file is complete or not can be determined only by determining whether the information such as the money amount, the file type and the like is contained in the current bill file or not.
And if the bill file is determined to be complete, executing the steps of reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel.
In this step, the step S20 is continued only if it is determined that the current bill file is complete; and if the current bill file is determined to be incomplete, marking the current bill file as a defective file, sending the current bill file to an error channel, and completing the current bill file by related personnel.
Step S20, reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel.
In this embodiment, the processing device reads transaction elements of each transaction information in the current bill file, where the transaction elements include a product code, a bank, an amount, a transaction type, and the like, and the processing device determines, according to the transaction elements, a first payment channel corresponding to each transaction information in the current bill file, that is, the processing device selects an optimal payment channel for each transaction information in the bill file by reading the transaction elements of each transaction information in the current bill file. At this time, each piece of transaction information in the current bill file corresponds to a payment channel, and each payment channel can correspond to a plurality of pieces of transaction information, so that the specific number of the first payment channels corresponds to the transaction information in the current bill file, and the current bill file is split into a plurality of sub-bill files corresponding to the first payment channels, that is, each sub-bill file corresponds to one payment channel.
Specifically, step S20 includes:
reading transaction elements of each transaction information in the bill file, wherein the transaction elements comprise product codes and money;
in this step, the processing device reads the transaction elements of each transaction information in the current bill file, the transaction elements including the product code and the amount of money as the basis for the processing device to select the optimal payment channel for each transaction information.
And b, determining a first payment channel corresponding to each transaction information in the bill file based on the product code and the amount, and splitting the bill file into sub-bill files corresponding to the first payment channel.
In this step, the processing device determines, based on the product code and the amount of money, a first payment channel corresponding to each transaction information in the current bill file, if the product code is 1, the amount of money is less than 5000, the corresponding payment channel is a payment channel a, the product code is 2, the amount of money is greater than 5000, the corresponding payment channel is a payment channel B, and the like, and splits the current bill file into sub-bill files corresponding to the first payment channel, that is, the transaction information of the same payment channel belonging to the current bill file is summarized, if the current bill file includes four transaction information of a, B, c, and d, the a and B correspond to the a payment channel, the c and d correspond to the B payment channel, the current bill file is split into two sub-bill files, one of the sub-bill files includes a and B, the corresponding payment channel is an a payment channel, the other sub-bill file includes c and d, and the corresponding payment channel is a payment channel B.
It can be understood that the processing device may also read the transaction type of each transaction information in the current bill file, and select a corresponding payment channel according to the transaction type, for example, the payment type transaction information selects the payment channel a, and the debit type transaction information selects the payment channel B.
The bank to which the transaction information belongs in the current bill file can be read, and the corresponding payment channel is selected according to the bank, for example, a C payment channel is selected due to limited amount regulation of an industrial and commercial bank, a Chinese bank, a construction bank and the like, and a D payment channel is selected due to no limited amount regulation of a middle-line bank, a business-inviting bank, a broadcasting bank and the like.
Further, step b comprises:
determining a product category to which each transaction information in the bill file belongs based on the product code;
in this step, the processing device determines the product category to which each transaction information belongs in the current bill file based on the product code, specifically, a set of association table of product code-product category is preset, and after the processing device reads the product code of each transaction information in the current bill file, the product type to which each transaction information belongs can be determined through the product code and the preset product code-product category association table.
And determining a first payment channel corresponding to each transaction information in the bill file based on the amount and the limit amount of the product category.
In this step, the processing device determines, according to the amount of each transaction information and the limit amount of the product category to which each transaction information belongs, a first payment channel corresponding to each transaction information in the current bill file, for example, the limit amount of the E product is 5000, two transaction information in the current bill file are related to the E product, one of the two transaction information is 1 ten thousand, and the other one is 3000,1 ten thousand, because the transaction information exceeds the limit amount, the processing device belongs to a large-amount transaction and should go to a large-amount payment channel, and because the transaction information of 3000 does not exceed the limit amount, the processing device belongs to a small-amount transaction and should go to a small-amount payment channel.
Further, the transaction element further includes a transaction age, and the step of determining the first payment channel may further include:
and reading the transaction timeliness of each transaction information in the current bill file, and determining a first payment channel corresponding to each transaction information in the bill file based on the transaction timeliness.
Namely, considering the timeliness of the transaction, a quick payment channel is selected for the transaction information with relatively tense transaction timeliness, a common payment channel is selected for the transaction information with non-tense transaction timeliness, and the like.
Further, the transaction element includes an amount, and the step of determining the first payment channel may further include:
the amount of each transaction information in the current bill file is read, and the channel fee of the payment channel connected with the current processing equipment in a butt joint mode is determined, so that it can be understood that each payment channel corresponds to the channel fee, the channel fee is calculated mainly according to the amount of the current transaction information and the charging rule of each payment channel, and therefore, the channel fee of each transaction information passing through each payment channel can be calculated, and the payment channel with low channel fee is selected as the payment channel of the current transaction information.
And step S30, detecting the first payment channel and determining whether the first payment channel is available.
In this embodiment, after a first payment channel corresponding to each transaction information in a current bill file is determined, the first payment channel is detected, that is, the payment channels corresponding to each transaction information in the current bill file are detected one by one, so as to determine whether the first payment channel is available, it can be understood that, because the number of the first payment channels corresponds to the transaction information included in the current bill file, when there are multiple transaction information and each transaction information corresponds to a different payment channel, the first payment channel at least includes two payment channels, and when the first payment channel is detected, only all the payment channels are available, and it is determined that the first payment channel is available; if one of the payment channels is unavailable, the first payment channel is unavailable.
The specific detection mode comprises the following steps:
and sending a preset detection packet to the first payment channel, and judging whether the first payment channel is available or not based on a detection result and a preset rule returned by the first payment channel.
In the step, a preset detection packet is sent to the first payment channel, that is, the preset detection packet is sent to a payment channel corresponding to each transaction information in the current bill file, wherein the preset detection packet is the bill information of the simulated transaction information and specifically includes transaction elements such as amount, bank and transaction type, the preset detection packet is sent to the first payment channel, whether payment is successful is detected, and if so, the first payment channel is determined to be available.
And S40, if the sub-bill file is available, sending the sub-bill file to the first payment channel.
In this embodiment, if it is determined that the first payment channel is available, the sub-bill file is sent to the first payment channel to complete the online payment.
Further, if the sub-bill file is not available, the sub-bill file is sent to an error channel;
in the step, if the first payment channel is determined to be unavailable, the corresponding sub-bill file is sent to an error channel, wherein the error channel is a manual judgment channel, and when the processing equipment cannot determine the payment channel corresponding to the sub-bill file, the processing equipment is handed to the manual judgment channel, and the corresponding maintenance personnel manually selects and marks the payment channel.
When identification information sent by the error channel based on the sub-bill file is received, determining a second payment channel corresponding to the sub-bill file based on the identification information;
in this step, when identification information sent by the error channel based on the sub-bill file is received, a second payment channel corresponding to the sub-bill file is determined according to the identification information, that is, in the error channel, a corresponding maintainer manually matches a payment channel with the sub-bill file to generate corresponding identification information, and after receiving the identification information, the processing device can determine the second payment channel corresponding to the sub-bill file. Of course, the first payment channel and the second payment channel may also be partially identical, or completely different.
And sending the sub-bill file to the second payment channel.
In the step, after a second payment channel corresponding to the sub-bill is determined according to the identification information, the sub-bill file is sent to the second payment channel so as to complete online payment.
In this embodiment, when a payment request is received, a bill file corresponding to a file address is downloaded based on the file address corresponding to the payment request; reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel; detecting the first payment channel and determining whether the first payment channel is available; and if the sub-bill file is available, sending the sub-bill file to the first payment channel. The invention selects available payment channels through transaction elements, thereby improving the success rate of payment.
Further, based on the first embodiment of the distributed bill processing method of the present invention, a second embodiment of the distributed bill processing method of the present invention is proposed.
The second embodiment of the distributed bill processing method is different from the first embodiment of the distributed bill processing method in that, referring to fig. 3, step S30 includes:
step S31, acquiring historical availability of the first payment channel, and determining a channel to be detected in the first payment channel based on the historical availability;
and S32, sending a preset detection packet to the channel to be detected, and judging whether the channel to be detected is available or not based on a detection result returned by the channel to be detected.
When the first payment channel is detected, only the channel to be detected in the first payment channel needs to be detected is detected, so that the detection cost is reduced, and the detection efficiency is improved.
The respective steps will be described in detail below:
step S31, acquiring historical availability of the first payment channel, and determining a channel to be detected in the first payment channel based on the historical availability;
in this embodiment, the processing device obtains the historical availability of the first payment channel, and determines the channel to be detected in the first payment channel, which needs to be detected, according to the historical availability, that is, in this embodiment, it is not necessary to detect all payment channels corresponding to each transaction information in the current bill file, but it first finds the channel to be detected, which needs to be detected, from all the payment channels according to the historical availability of each payment channel.
Specifically, the payment success rate of the first payment channel is determined from the past payment records, if the payment channel A pays 100 times and succeeds 30 times, the payment success rate is 30%, that is, the availability of the payment channel A is 30%, the payment success rate is compared with the preset availability, if the preset availability is 50%, obviously, the historical availability of the payment channel A is lower than the preset availability, and the payment channel A is the channel to be detected; and if the historical availability of the payment channel A is not lower than the preset availability, the payment channel A does not need to be detected.
Further, historical availability of the first payment channel within preset time is obtained, and a channel to be detected in the first payment channel, which needs to be detected, is determined based on the historical availability.
In this step, in order to avoid that the processing device needs to spend a long time for statistics because of more history records of the first payment channel, the historical availability of the first payment channel within the preset time can be obtained, and in the specific implementation, the preset time is three days, that is, the channel to be detected in the first payment channel, which needs to be detected, can be determined only by obtaining the historical availability of the first payment channel within three days, and the specific detection mode is similar to the above and is not described again.
And S32, sending a preset detection packet to the channel to be detected, and judging whether the channel to be detected is available or not based on a detection result returned by the channel to be detected.
In the step, the processing device sends a preset detection packet to a channel to be detected, namely a payment channel to be detected, wherein the preset detection packet is bill information of simulated transaction information and specifically comprises transaction elements such as amount, bank and transaction type, the preset detection packet is sent to the channel to be detected, and if the payment is successful, the channel to be detected returns a detection result of successful payment, so that the channel to be detected is determined to be available.
Further, step S32 includes:
sending a preset detection packet with preset times to the channel to be detected, and counting detection results returned by the channel to be detected; and judging whether the channel to be detected is available or not based on the detection result and a preset rule.
In the step, the processing device sends a preset detection packet with preset times to the channel to be detected, and counts detection results returned by the channel to be detected, wherein the detection results are payment success and payment failure, and the preset times are 20 times in specific implementation. Judging whether the channel to be detected is available or not based on the detection result and a preset rule, wherein the specific preset rule can be that the channel to be detected is available after 6 times of continuous payment, namely the processing equipment sends 20 times of preset detection packets to the channel to be detected, the detection result is counted, and if the detection result has 6 times of continuous payment success, the channel to be detected is determined to be available; and if the payment is not successful for 6 times continuously in the detection result, determining that the channel to be detected is unavailable.
When the availability of the first payment channel is detected, only the channel to be detected which needs to be detected is detected, so that the detection cost is reduced, the detection efficiency is improved, the available payment channel can be quickly positioned, and the payment success rate is improved.
Further, based on the first and second embodiments of the distributed bill processing method of the present invention, a third embodiment of the distributed bill processing method of the present invention is proposed.
The third embodiment of the distributed bill processing method differs from the first and second embodiments of the distributed bill processing method in that the method further comprises:
monitoring the health state of the first payment channel, and executing an execution strategy corresponding to the health state;
when the success rate of the health state in unit time is lower than a preset threshold value, the execution strategy corresponding to the health state is determined to be fusing processing, and the first payment channel is fused based on the execution strategy.
In this embodiment, after the transaction information in the bill file is sent to the first payment channel, the processing device further continues to monitor the monitoring state of the first payment channel, so as to avoid that the first payment channel fails in the payment process, and if the first payment channel is unavailable, delays and the like, the first payment channel cannot be adjusted in time.
Therefore, the processing equipment monitors the health state of the first payment channel and executes the execution strategy corresponding to the health state. When the processing device monitors that the health state of the first payment channel is successfully low in unit time, specifically lower than a preset threshold value, for example, 30%, and determines that the execution strategy corresponding to the current health state is fusing processing, the processing device fuses the first payment channel based on the determined execution strategy.
It can be understood that, after the first payment channel is fused, the first payment channel will not be available, and then, at this time, the transaction information that has not completed line payment will be re-allocated to a new payment channel, and the allocation manner is also performed based on transaction elements, which is similar to the above and will not be described herein again.
Or when the processing equipment monitors that the health state of the first payment channel is that the transaction information of current queuing payment exceeds a threshold value, determining that the execution strategy corresponding to the current health state is to reduce the frequency of sending the bill file to the first payment channel, and the like.
In the embodiment, after the bill file is sent to the payment channel, the health state of the payment channel is monitored, it is ensured that all transaction information in the bill file has an available payment channel to complete online payment, and even if the current payment channel has faults such as delay, a corresponding execution strategy can be adopted in time, so that the payment success rate is improved.
The invention also provides a distributed bill processing device. The distributed bill processing apparatus of the present invention comprises:
the system comprises a downloading module, a payment module and a payment module, wherein the downloading module is used for downloading a bill file corresponding to a file address based on the file address corresponding to a payment request when the payment request is received;
the determining module is used for reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel;
the detection module is used for detecting the first payment channel and determining whether the first payment channel is available;
and the sending module is used for sending the sub-bill file to the first payment channel if the sub-bill file is available.
Further, the download module is further configured to:
when a payment request is received, acquiring a file address and a file hash value corresponding to the payment request;
downloading a bill file corresponding to the file address, and checking the integrity of the bill file based on the hash value of the file;
and if the bill file is determined to be complete, executing the steps of reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel.
Further, the determining module is further configured to:
reading transaction elements of each transaction information in the bill file, wherein the transaction elements comprise product codes and money;
and determining a first payment channel corresponding to each transaction information in the bill file based on the product code and the amount.
Further, the determining module is further configured to:
determining a product category to which each transaction information in the bill file belongs based on the product code;
and determining a first payment channel corresponding to each transaction information in the bill file based on the amount and the limit amount of the product category.
Further, the detection module is further configured to:
acquiring historical availability of the first payment channel, and determining a channel to be detected in the first payment channel based on the historical availability;
and sending a preset detection packet to the channel to be detected, and judging whether the channel to be detected is available or not based on a detection result returned by the channel to be detected.
Further, the distributed bill processing apparatus further includes a monitoring module, and the monitoring module is configured to:
monitoring the health state of the first payment channel, and executing an execution strategy corresponding to the health state;
when the success rate of the health state in unit time is monitored to be lower than a preset threshold value, the execution strategy corresponding to the health state is determined to be fusing processing, and the first payment channel is fused based on the execution strategy.
Further, the sending module is further configured to:
if the sub-bill file is not available, sending the sub-bill file to an error channel;
when identification information sent by the error channel based on the sub bill file is received, determining a second payment channel corresponding to the sub bill file based on the identification information;
and sending the sub-bill file to the second payment channel.
The invention also provides a computer readable storage medium.
The computer readable storage medium of the present invention has stored thereon a distributed bill handling program which, when executed by a processor, implements the steps of the distributed bill handling method as described above.
For the method implemented when the distributed bill processing program running on the processor is executed, reference may be made to each embodiment of the distributed bill processing method of the present invention, and details are not described here again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are only for description, and do not represent the advantages and disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention or the portions contributing to the prior art may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above and includes several instructions for enabling a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (14)
1. A distributed bill processing method is characterized by comprising the following steps:
when a payment request is received, downloading a bill file corresponding to a file address based on the file address corresponding to the payment request;
reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel;
detecting the first payment channel and determining whether the first payment channel is available;
if the sub-bill file is available, sending the sub-bill file to the first payment channel;
wherein the detecting the first payment channel and determining whether the first payment channel is available comprises:
acquiring historical availability of the first payment channel, and determining a channel to be detected in the first payment channel based on the historical availability;
and sending a preset detection packet to the channel to be detected, and judging whether the channel to be detected is available or not based on a detection result returned by the channel to be detected.
2. The distributed bill processing method according to claim 1, wherein the step of downloading the bill file corresponding to the file address based on the file address corresponding to the payment request when the payment request is received comprises:
when a payment request is received, acquiring a file address and a file hash value corresponding to the payment request;
downloading a bill file corresponding to the file address, and checking the integrity of the bill file based on the file hash value;
and if the bill file is determined to be complete, executing the steps of reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel.
3. The distributed bill processing method according to claim 1, wherein the step of reading the transaction element of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction element, and splitting the bill file into sub-bill files corresponding to the first payment channel comprises:
reading transaction elements of each transaction information in the bill file, wherein the transaction elements comprise product codes and money;
and determining a first payment channel corresponding to each transaction information in the bill file based on the product code and the amount, and splitting the bill file into sub-bill files corresponding to the first payment channel.
4. The distributed bill processing method of claim 3, wherein the step of determining the first payment channel corresponding to each transaction information in the bill file based on the product code and the amount of money comprises:
determining a product category to which each transaction information in the bill file belongs based on the product code;
and determining a first payment channel corresponding to each transaction information in the bill file based on the amount and the limit amount of the product category.
5. The distributed bill processing method according to claim 1, wherein after the step of sending the sub-bill file to the first payment channel if available, the method further comprises:
monitoring the health state of the first payment channel, and executing an execution strategy corresponding to the health state;
when the success rate of the health state in unit time is monitored to be lower than a preset threshold value, the execution strategy corresponding to the health state is determined to be fusing processing, and the first payment channel is fused based on the execution strategy.
6. The distributed bill processing method according to any one of claims 1 to 5, wherein after the step of probing the first payment channel to determine whether the first payment channel is available, the method further comprises:
if the sub-bill file is not available, sending the sub-bill file to an error channel;
when identification information sent by the error channel based on the sub-bill file is received, determining a second payment channel corresponding to the sub-bill file based on the identification information;
and sending the sub-bill file to the second payment channel.
7. A distributed bill processing apparatus, characterized in that the distributed bill processing apparatus comprises:
the downloading module is used for downloading a bill file corresponding to a file address based on the file address corresponding to the payment request when the payment request is received;
the determining module is used for reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel;
the detection module is used for detecting the first payment channel and determining whether the first payment channel is available;
the sending module is used for sending the sub-bill file to the first payment channel if the sub-bill file is available;
the detection module is further configured to acquire historical availability of the first payment channel, and determine a channel to be detected in the first payment channel based on the historical availability; and sending a preset detection packet to the channel to be detected, and judging whether the channel to be detected is available or not based on a detection result returned by the channel to be detected.
8. The distributed bill processing apparatus of claim 7 wherein the download module is further to:
when a payment request is received, acquiring a file address and a file hash value corresponding to the payment request;
downloading a bill file corresponding to the file address, and checking the integrity of the bill file based on the file hash value;
and if the bill file is determined to be complete, executing the steps of reading transaction elements of each transaction information in the bill file, determining a first payment channel corresponding to each transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel.
9. The distributed bill processing apparatus of claim 7 wherein the determination module is further to:
reading transaction elements of each transaction information in the bill file, wherein the transaction elements comprise product codes and money;
and determining a first payment channel corresponding to each transaction information in the bill file based on the product code and the amount, and splitting the bill file into sub-bill files corresponding to the first payment channel.
10. The distributed bill processing apparatus of claim 9 wherein the determination module is further for:
determining a product category to which each transaction information in the bill file belongs based on the product code;
and determining a first payment channel corresponding to each transaction information in the bill file based on the amount and the limit amount of the product category.
11. The distributed bill processing apparatus of claim 7, wherein the distributed bill processing apparatus further comprises a monitoring module to:
monitoring the health state of the first payment channel, and executing an execution strategy corresponding to the health state;
when the success rate of the health state in unit time is monitored to be lower than a preset threshold value, the execution strategy corresponding to the health state is determined to be fusing processing, and the first payment channel is fused based on the execution strategy.
12. The distributed bill processing apparatus of any one of claims 7-11, wherein the sending module is further to:
if not, sending the sub bill file to an error channel;
when identification information sent by the error channel based on the sub bill file is received, determining a second payment channel corresponding to the sub bill file based on the identification information;
and sending the sub-bill file to the second payment channel.
13. A distributed bill processing apparatus, characterized in that the distributed bill processing apparatus comprises: memory, a processor, and a distributed bill handling program stored on the memory and executable on the processor, the distributed bill handling program when executed by the processor implementing the steps of the distributed bill handling method of any of claims 1 to 6.
14. A computer-readable storage medium, having stored thereon a distributed bill processing program, which when executed by a processor, implements the steps of the distributed bill processing method of any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910504141.XA CN110264171B (en) | 2019-06-06 | 2019-06-06 | Distributed bill processing method, device, equipment and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910504141.XA CN110264171B (en) | 2019-06-06 | 2019-06-06 | Distributed bill processing method, device, equipment and computer readable storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110264171A CN110264171A (en) | 2019-09-20 |
| CN110264171B true CN110264171B (en) | 2023-04-18 |
Family
ID=67917717
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910504141.XA Active CN110264171B (en) | 2019-06-06 | 2019-06-06 | Distributed bill processing method, device, equipment and computer readable storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110264171B (en) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111736995A (en) * | 2020-06-15 | 2020-10-02 | 北京三快在线科技有限公司 | Resource channel state switching method, device, equipment and storage medium |
| WO2022271096A2 (en) * | 2021-06-24 | 2022-12-29 | Gp Network Asia Pte. Ltd. | A communications server, a method, a user device and a payment gateway |
| CN113554509B (en) * | 2021-07-29 | 2023-02-17 | 上海浦东发展银行股份有限公司 | Processing method, device, medium and electronic equipment for online payment service |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1539122A (en) * | 2000-10-27 | 2004-10-20 | ������ķ���ƶ� | Remote payment method and system |
| CN105512894A (en) * | 2015-11-26 | 2016-04-20 | 珠海多玩信息技术有限公司 | Cooperation-channel-based payment method and apparatus |
| CN106056372A (en) * | 2016-06-02 | 2016-10-26 | 广东工业大学 | Secure electronic payment method based on four parties |
| CN107748985A (en) * | 2017-11-07 | 2018-03-02 | 苏州比可网络科技有限公司 | Network method of payment and network payment server |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100339784C (en) * | 1996-09-04 | 2007-09-26 | 英特托拉斯技术公司 | Method for releasing using data from user station point to external station point |
| US7366696B1 (en) * | 1999-10-08 | 2008-04-29 | Checkfree Corporation | Electronic billing with flexible biller controlled electronic bill presentment |
| GB2466676A (en) * | 2009-01-06 | 2010-07-07 | Visa Europe Ltd | A method of processing payment authorisation requests |
| CN103177361A (en) * | 2011-12-21 | 2013-06-26 | 上海博路信息技术有限公司 | Unified bill and payment system |
| CN106899519B (en) * | 2016-08-26 | 2020-07-10 | 阿里巴巴集团控股有限公司 | Payment channel flow configuration method and device |
| CN107705118A (en) * | 2017-09-19 | 2018-02-16 | 深圳金融电子结算中心有限公司 | Transaction payment method, system, server and storage medium based on channel route |
| CN108985731B (en) * | 2018-07-13 | 2021-06-29 | 京东数字科技控股有限公司 | Payment routing method and device |
-
2019
- 2019-06-06 CN CN201910504141.XA patent/CN110264171B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1539122A (en) * | 2000-10-27 | 2004-10-20 | ������ķ���ƶ� | Remote payment method and system |
| CN105512894A (en) * | 2015-11-26 | 2016-04-20 | 珠海多玩信息技术有限公司 | Cooperation-channel-based payment method and apparatus |
| CN106056372A (en) * | 2016-06-02 | 2016-10-26 | 广东工业大学 | Secure electronic payment method based on four parties |
| CN107748985A (en) * | 2017-11-07 | 2018-03-02 | 苏州比可网络科技有限公司 | Network method of payment and network payment server |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110264171A (en) | 2019-09-20 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110264171B (en) | Distributed bill processing method, device, equipment and computer readable storage medium | |
| CN106020948B (en) | A kind of process dispatch method and device | |
| CN110532467B (en) | Activity recommendation method and device based on push model, equipment and storage medium | |
| CN106649638B (en) | Big data acquisition method | |
| CN104753909A (en) | Updated information authentication method, device and system | |
| CN108809730B (en) | Method and device for controlling flow switching of machine room | |
| CN107861765B (en) | Product configuration method, apparatus, and computer-readable storage medium | |
| CN109582668A (en) | Service data management method, device, equipment and computer readable storage medium | |
| CN110267215B (en) | Data detection method, equipment and storage medium | |
| CN111429123A (en) | Payment risk control method, device and readable storage medium | |
| CN111754218A (en) | Payment mode recommendation method and device | |
| CN111506455A (en) | Checking method and device for service release result | |
| CN110263044B (en) | Data storage method, device, equipment and computer readable storage medium | |
| CN110533432B (en) | Service processing method, device, server and client | |
| CN112328450A (en) | Data monitoring method and device, computer equipment and storage medium | |
| CN113434765A (en) | Client return visit method, system, equipment and storage medium | |
| CN112654005A (en) | Short message channel configuration method and short message issuing method, device and system | |
| CN112235395A (en) | Data distribution method and system based on network routing | |
| CN111563039A (en) | Workload estimation method and device | |
| CN111159988A (en) | Model processing method and device, computer equipment and storage medium | |
| CN113055459B (en) | Log delivery method and device, electronic equipment and storage medium | |
| CN109032688A (en) | page jump and control method and device | |
| CN116320015B (en) | Data request processing method, device, computer equipment and storage medium | |
| CN114222002B (en) | Service request processing method and device, storage medium and electronic equipment | |
| CN117527462A (en) | Connection channel determination method and device, electronic equipment and processor |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |