CN111626852A - Transaction management method and transaction management system - Google Patents
Transaction management method and transaction management system Download PDFInfo
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Abstract
The invention relates to a transaction management method and a transaction management system. The transaction management method comprises the following steps: setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third party transaction channels according to the transaction rates; uniformly adjusting the priority of the third party transaction channel in each transaction amount interval according to the transaction condition of the third party transaction channel; and receiving a transaction request, and selecting a third party transaction channel with the highest priority in a transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request. The transaction management system and the transaction management method of the embodiment of the invention set the priorities of the plurality of third-party transaction channels according to the transaction rate and dynamically set the priorities according to the transaction conditions of the third-party transaction channels, thereby realizing lower transaction rate and ensuring smooth transaction.
Description
Technical Field
The present invention relates to the field of network transaction technologies, and in particular, to a transaction management method and a transaction management system.
Background
In the field of consumption finance, paying and repayment business needs to carry out the operations of paying and collecting instead of a bank card of a client. The operation of collecting and paying the bank card of the client can be carried out only by an organization engaged in the bill collecting business. At present, hundreds of institutions engaged in receipt business in domestic markets exist, and consumption financial companies generally need to connect a plurality of receipt institutions to ensure the normal development of deposit and payment business. When a collection and payment operation is performed, an appropriate channel needs to be selected from a plurality of acquirers, so that the problem of 'payment routing' of how to select an optimal channel exists. The traditional method for selecting the payment route is as follows: firstly, establishing a many-to-one mapping relation between an 'issuing bank' and an 'acquiring organization' of a bank card; when the collection and payment operation is needed, a corresponding 'card issuing bank' is found out according to the bank card; and then finding the corresponding acquirer according to the card issuer. This conventional payment routing method has the following disadvantages: firstly, the optimal selection cannot be made according to the commission charge of the acquiring mechanism, so that the waste of the commission charge cost is caused; secondly, when a certain acquiring mechanism breaks down, the problem cannot be automatically found, and the other available acquiring mechanisms cannot be automatically switched to, so that the service development is influenced.
Disclosure of Invention
Accordingly, there is a need for a transaction management method and a transaction management system with low transaction rate and smooth transaction.
An aspect of an embodiment of the present invention provides a transaction management method, which includes the following steps:
s2: setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third party transaction channels according to the transaction rates;
s4: uniformly adjusting the priority of the third party transaction channel in each transaction amount interval according to the transaction condition of the third party transaction channel;
s6: and receiving a transaction request, and selecting a third party transaction channel with the highest priority in a transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request.
As a further improvement of the above embodiment, in step S4, the priority of the third party trading channel is adjusted according to the trading abnormal situation and/or the current trading volume of the third party trading channel.
As a further improvement of the foregoing embodiment, in step S4, if the transaction anomaly rate of the third-party transaction channel is greater than or equal to the first threshold within the first preset time period, the third-party transaction channel is closed; if the transaction abnormal rate of the third party transaction channel is greater than or equal to a second threshold value within a second preset time span, the priority of the third party transaction channel is reduced; and if the transaction abnormal rate of the third party transaction channel is smaller than a third threshold value within a third preset time span, maintaining or improving the priority of the third party transaction channel.
As a further improvement of the above embodiment, in step S4, if the current transaction amount of the third party transaction channel is greater than or equal to the fourth threshold, the priority of the third party transaction channel is decreased; or
In step S4, if the current transaction amount of the third party transaction channel is less than or equal to the fifth threshold, the priority of the third party transaction channel is increased.
As a further improvement of the above embodiment, in step S4, the transaction condition of each third party transaction channel is analyzed at regular time, and the priorities of the plurality of third party transaction channels in each transaction amount interval are uniformly adjusted according to the analysis result.
As a further modification of the above embodiment, the step S2 further includes the steps of:
s201: entering transaction rate rules and maximum limits of the plurality of third party transaction channels;
s202: initializing a current transaction amount to zero;
s203: judging whether the current transaction amount is less than or equal to the maximum limit;
s204: if yes, setting the value of the current transaction amount as the current transaction amount plus the step amount;
s205: calculating the transaction rate of each third party transaction channel corresponding to the current transaction amount according to the transaction rate rules of the plurality of third party transaction channels, and storing the transaction rate into a transaction fee list;
s206: returning to step S203 until the current transaction amount is greater than the maximum limit;
s207: and traversing the transaction fee list, grouping according to the same transaction amount interval, and setting the priority of the plurality of third party transaction channels in each transaction amount interval according to the ranking of transaction rates.
An embodiment of the present invention further provides a transaction management system, which includes:
the priority initialization module is used for setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third party transaction channels according to the transaction rates;
the priority adjusting module is used for uniformly adjusting the priority of the third-party transaction channel in each transaction amount interval according to the transaction condition of the third-party transaction channel; and
and the transaction module is used for receiving the transaction request, and selecting the third party transaction channel with the highest priority in the transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request.
As a further improvement of the above embodiment, the priority adjustment module adjusts the priority of the third-party transaction channel according to the transaction abnormal condition of the third-party transaction channel: if the transaction abnormal rate of the third party transaction channel is greater than or equal to a first threshold value within a first preset time span, closing the third party transaction channel; if the transaction abnormal rate of the third party transaction channel is greater than or equal to a second threshold value within a second preset time span, the priority of the third party transaction channel is reduced; if the transaction abnormal rate of the third party transaction channel is smaller than a third threshold value within a third preset time span, maintaining or improving the priority of the third party transaction channel; and/or
The priority adjusting module adjusts the priority of the third-party transaction channel according to the current transaction amount of the third-party transaction channel: if the current transaction amount of the third party transaction channel is larger than or equal to a fourth threshold value, the priority of the third party transaction channel is reduced; or if the current transaction amount of the third party transaction channel is less than or equal to a fifth threshold value, the priority of the third party transaction channel is increased.
As a further improvement of the above embodiment, the priority initialization module initializes the priorities of the plurality of third party transaction channels according to the following method:
s201: entering transaction rate rules of the plurality of third party transaction channels;
s202: initializing a current transaction amount to zero;
s203: judging whether the current transaction amount is less than or equal to the maximum limit;
s204: if yes, setting the value of the current transaction amount as the current transaction amount plus the step amount;
s205: calculating the transaction rate of each third party transaction channel corresponding to the current transaction amount according to the transaction rate rules of the plurality of third party transaction channels, and storing the transaction rate into a transaction fee list;
s206: returning to step S203 until the current transaction amount is greater than the maximum limit;
s207: and traversing the transaction fee list, grouping according to the same transaction amount interval, and setting the priority of the plurality of third party transaction channels in each transaction amount interval according to the ranking of transaction rates.
As a further improvement of the above embodiment, the transaction module further includes a transaction request receiving unit, a transaction channel selecting unit, and a transaction executing unit, the transaction request receiving unit is configured to receive transaction request information, the transaction channel selecting unit is configured to select, according to the transaction request information and priorities of the plurality of third-party transaction channels, a third-party transaction channel corresponding to the transaction request information and having a highest priority, and the transaction executing unit is configured to perform a transaction with the third-party transaction channel selected by the transaction channel selecting unit and having the highest priority;
the priority adjustment module further comprises a data analysis unit, a data analysis rule unit, a data cache unit, a priority adjustment unit, an adjustment rule unit and a polling task unit, wherein the data analysis unit is used for calling the analysis rule from the data analysis rule unit, analyzing the transaction conditions of the plurality of third-party transaction channels according to the analysis rules to obtain transaction condition results, and storing the data into the data cache unit, wherein the polling task unit is used for calling the priority adjusting unit at regular time, the priority adjusting unit is used for reading the transaction condition results of the plurality of third-party transaction channels from the data cache unit and calling the adjusting rules from the adjusting rule unit, and adjusting the priorities of the plurality of third-party transaction channels according to the adjustment rules and the transaction condition results, and feeding back the adjusted results to the transaction channel selection unit.
The transaction management system and the transaction management method of the embodiment of the invention set the priorities of the plurality of third-party transaction channels according to the transaction rate and dynamically set the priorities according to the transaction conditions of the third-party transaction channels, thereby realizing lower transaction rate and ensuring smooth transaction.
Drawings
The foregoing and other objects, features and advantages of the invention will be apparent from the following more particular description of preferred embodiments of the invention, as illustrated in the accompanying drawings. Like reference numerals refer to like parts throughout the drawings, and the drawings are not intended to be drawn to scale in actual dimensions, emphasis instead being placed upon illustrating the principles of the invention.
FIG. 1 is a flow diagram of a transaction management method according to an embodiment of the invention;
FIG. 2 is a flow chart of initializing priorities;
FIGS. 3-6 are schematic diagrams of initializing priorities;
fig. 7 is a schematic structural diagram of a transaction management system according to an embodiment of the present invention.
Detailed Description
The following detailed description of the present invention is provided in connection with the accompanying drawings and specific embodiments for the purpose of better understanding and enabling those skilled in the art to practice the present invention, which are not intended to limit the present invention.
As shown in fig. 1 to 6, an embodiment of the present invention provides a transaction management method, which includes the following steps:
s2: setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third party transaction channels according to the transaction rates;
s4: uniformly adjusting the priority of the third party transaction channel in each transaction amount interval according to the transaction condition of the third party transaction channel;
s6: and receiving a transaction request, and selecting a third party transaction channel with the highest priority in a transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request.
When the transaction management method of the invention is applied to the consumption of financial software, the third-party transaction channel can be an acquirer. The acquirer refers to a clearing member unit which has an agreement with a merchant or provides service for a card holder and directly or indirectly participates in exchange by virtue of a transaction document (including an electronic document or a paper document), such as a payment treasure, a union pay, a la carta, a financial payment, a Heiyibao, a Yibao and the like. The consumption financial software carries out the operations of payment and collection on the bank card of the client through the collection institution to complete the loan and repayment business. Consumer financial companies often collaborate with multiple third party transaction channels. The transaction rates (i.e. procedure rates) given to the consumption financial companies by different third-party transaction channels are different, and the transaction conditions (such as transaction abnormal rate, transaction congestion degree and the like) of different third-party transaction channels at the same time are also different.
Because the transaction rate rules of different third party transaction channels are different, the transaction rates of different transaction channels may also be different in different transaction amount intervals. Therefore, in step S2, a plurality of different transaction amount intervals are set, the transaction rates of the plurality of third party transaction channels are compared in each transaction amount interval, and the priorities of the plurality of third party transaction channels are set according to the ranking of the transaction rates corresponding to the plurality of third party transaction channels, that is, the priority of the third party transaction channel is higher when the transaction rate is lower.
Referring to fig. 3, the charging rule of the commission fee (i.e. transaction fee) of channel a is proportional charging, and the charging is calculated as follows: commission = transaction amount 0.2%. The charging rule of the commission charge of the channel B is charging according to the interval, and the charging mode is calculated as follows: when the transaction amount is greater than 0 yuan and less than or equal to 1000 yuan, the commission charge is 0.7 yuan. When the transaction amount is greater than 1000 yuan and less than or equal to 5000 yuan, the commission charge is 1.2 yuan. When the transaction amount is greater than 5000 yuan and less than or equal to 40000 yuan, the commission charge is 1.7 yuan. Referring to fig. 4, the charging rules of the commission fees are different, so the corresponding commission rates may be different (or may be the same, of course) between different transaction amount intervals. To this end, please refer to fig. 5, in different transaction amount intervals, the priorities of different transaction channels are set according to the level of the procedure rate. For example, the channel with the lowest priority rating for the procedure is set to 100, and the channel with the second lowest priority is set to 90. If there is a channel with the third lowest rate, its priority may be set to 80. It should be noted that fig. 4 and 5 show the amount of the commission fee for different transaction amount intervals for a more intuitive table, but the essence is to compare the charge rates of different transaction channels in each transaction amount interval.
In step S4, the transaction conditions of the third party transaction channels are monitored in real time, the transaction data is analyzed, and the priorities of the third party transaction channels are dynamically adjusted according to the analysis results. And during adjustment, uniformly adjusting the priority of the third-party transaction channel in each transaction amount interval. That is, when the priority of a third party transaction channel needs to be reduced according to the transaction situation, the priority of the third party transaction channel in each transaction amount interval is correspondingly reduced. For example, due to the fact that transaction anomalies continuously occur in a certain third-party transaction channel, the priority of the third-party transaction channel is reduced by 10 points according to the analysis result, the priority of the third-party transaction channel is reduced to 90 when the priority of the third-party transaction channel is originally 100 in the transaction amount interval a, and the priority of the third-party transaction channel is reduced to 80 when the priority of the third-party transaction channel is originally 90 in the transaction amount interval b, and the reduction amplitude of each transaction amount interval is the same. When the priority is increased, the same magnitude of increase may be performed. The unified adjustment here means that when the priority of a certain third-party transaction channel is to be adjusted, the priorities of the third-party transaction channels in all transaction amount intervals are adjusted correspondingly, but are not adjusted to the same priority.
In step S6, each time a transaction request is received, a transaction amount interval corresponding to the transaction amount is determined according to the transaction amount of the transaction request, and then the adjusted highest priority third-party transaction channel is selected in the transaction amount interval for performing a transaction. Of course, for the first transaction or the previous transactions just after the priority of the third party transaction channel is initialized in step S2, the priority of the third party transaction channel is not yet adjusted, so the transaction is performed according to the third party transaction channel with the highest initialized priority in the transaction amount interval. In this case, step S6 precedes step S4 succeeds, and in other cases, step S4 precedes step S6 succeeds. After completing one transaction (step S6), it returns to step S4 instead of step S2. It should be noted that, in some embodiments, the transaction system enables each of some of the card issuers to correspond to some third-party transaction channels, and each of other card issuers to correspond to other third-party transaction channels, that is, the transaction system correspondingly groups the card issuers and the third-party transaction channels, and each group of the card issuers and the third-party transaction channels corresponds to many-to-many, rather than many-to-one. Therefore, when a transaction request is received, a plurality of third-party transaction channels corresponding to the transaction request are determined according to the issuer information in the transaction information, and then a corresponding transaction amount interval is determined according to the transaction amount.
In a preferred embodiment, in step S4, the priority of the third party transaction channel is adjusted according to the transaction abnormal condition and/or the current transaction amount of the third party transaction channel. When the prior transaction exception rate of a certain third party transaction channel is higher, the transaction channel is indicated to have a fault, so that the priority of the transaction channel is reduced, and when the exception rate is lower, the priority of the transaction channel is improved. Similarly, when the current transaction amount of a certain third-party transaction channel is larger, the priority is reduced for preventing transaction congestion, or when the current transaction amount is smaller, the priority is increased. Through such setting, can make the transaction more smooth and easy, be difficult to the failure, promote customer experience. The level of priority may or may not have an upper limit (e.g., 100). The priority of the third-party transaction channel can be adjusted only according to one of the abnormal transaction condition and the current transaction amount, and the priority of the third-party transaction channel can also be adjusted by combining the conditions of the abnormal transaction condition and the current transaction amount.
In a further preferred embodiment, in step S4, if the transaction anomaly rate of the third party transaction channel is greater than or equal to the first threshold within the first preset time period, the third party transaction channel is closed; if the transaction abnormal rate of the third party transaction channel is greater than or equal to a second threshold value within a second preset time span, the priority of the third party transaction channel is reduced; and if the transaction abnormal rate of the third party transaction channel is smaller than a third threshold value within a third preset time span, maintaining or improving the priority of the third party transaction channel. The first preset time length, the second preset time length and the third preset time length may be equal or different, the second threshold and the third threshold may be equal or different, and the first threshold is greater than the second threshold and the third threshold. For example, within 3 minutes, if the transaction abnormal rate of the third-party transaction channel is greater than or equal to 50%, the channel is closed, and then the channel is restarted after a preset time; if the transaction abnormal rate of the third party transaction channel is greater than or equal to 10% within 5 minutes, the priority of the third party transaction channel is reduced, and the priority can be reduced by 1 point, 5 points or 10 points; if the transaction abnormal rate of the third party transaction channel is less than 10% within 5 minutes, the priority of the third party transaction channel is improved, and the priority can be increased by 1 point, 5 points or 10 points.
In a further preferred embodiment, in step S4, if the current transaction amount of the third party transaction channel is greater than or equal to a fourth threshold, the priority of the third party transaction channel is decreased; or in step S4, if the current transaction amount of the third party transaction channel is less than or equal to the fifth threshold, the priority of the third party transaction channel is increased. In the embodiment, the congestion condition of the third-party transaction channel is judged according to the queued transaction amount of the third-party transaction channel, and if the congestion condition is too congested, the priority of the third-party transaction channel is reduced. The fourth threshold and the fifth threshold may be equal or different. For example, if the current transaction amount of the third party transaction channel is greater than or equal to 50, the priority of the third party transaction channel is reduced by 1 point, 5 points or 10 points, and the like, and if the current transaction amount of the third party transaction channel is less than 10, the priority of the third party transaction channel is improved by 1 point, 5 points or 10 points, and the like.
In a preferred embodiment, in step S4, the transaction condition of each third-party transaction channel is analyzed at regular time, and the priorities of the multiple third-party transaction channels within each transaction amount interval are uniformly adjusted according to the analysis result, that is, the priority adjustment is adjusted at intervals, rather than in real time, so that the burden on the system can be reduced, and in each adjustment, the transaction condition of each third-party transaction channel is analyzed more comprehensively.
Referring to fig. 2 to 5, in a preferred embodiment, the step S2 further includes the following steps:
s201: entering transaction rate rules and maximum limits of the plurality of third party transaction channels;
s202: initializing a current transaction amount to zero;
s203: judging whether the current transaction amount is less than or equal to the maximum limit;
s204: if yes, setting the value of the current transaction amount as the current transaction amount plus the step amount;
s205: calculating the transaction rate of each third party transaction channel corresponding to the current transaction amount according to the transaction rate rules of the plurality of third party transaction channels, and storing the transaction rate into a transaction fee list;
s206: returning to step S203 until the current transaction amount is greater than the maximum limit;
s207: and traversing the transaction fee list, grouping according to the same transaction amount interval, and setting the priority of the plurality of third party transaction channels in each transaction amount interval according to the ranking of transaction rates.
In step S204, the amount of the ladder may be 100. It should be noted that the maximum limit and the step amount may be the same or different for different third party transaction channels. In fact, for each third party transaction channel, the steps from S201 to S206 are performed until the current transaction amount is greater than the maximum limit. In step S207, the transaction amount section is divided into equal intervals of the step amounts within the maximum limit.
Referring to fig. 6, in a further preferred embodiment, after step S207, the method further includes step S208: and traversing the transaction fee list, and merging a plurality of continuous transaction amount intervals with the same priority of the plurality of third-party transaction channels. For example, if there are only two transaction channels, i.e., channel a and channel B, and the priority of channel a is 100 and the priority of channel B is 90 in the three transaction amount intervals of 0-100, 100-200, and 200-300, the three transaction amount intervals are combined to be 0-300, and the priority of channel a is 100 and the priority of channel B is 90 in the transaction amount interval. In some other embodiments, step S208 is: and traversing the transaction fee list, merging a plurality of continuous transaction amount intervals with the same priority for each third-party transaction channel, wherein the merged transaction amount intervals may be different for different third-party transaction channels. As shown in FIG. 6, in the interval of 300-.
Referring to fig. 7, an embodiment of the present invention further provides a transaction management system, which includes:
the priority initialization module 2 is used for setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third party transaction channels according to the transaction rates;
the priority adjusting module 3 is used for uniformly adjusting the priority of the third party transaction channel in each transaction amount interval according to the transaction condition of the third party transaction channel; and
and the transaction module 1 is used for receiving the transaction request, selecting a third party transaction channel with the highest priority in a transaction amount interval corresponding to the transaction amount according to the transaction amount of the transaction request, and performing transaction.
The transaction module 1 may further include a transaction request receiving unit 11, a transaction channel selecting unit 12, and a transaction performing unit 13. The transaction request receiving unit 11 is used for receiving transaction request information. The transaction channel selection unit 12 is configured to select a third party transaction channel corresponding to the transaction request information and having a highest priority according to the transaction request information and the priority of each third party transaction channel 5. And the transaction execution unit 13 is used for interacting data with the third-party transaction channel 5 with the highest priority selected by the transaction channel selection unit 12 to perform transaction. The transaction execution unit 13 sends the data to the message queue 4 in a message manner, and the plurality of third party transaction channels 5 consume the corresponding data in the message queue.
The priority adjustment module 3 may further include a data analysis unit 31, a data analysis rule unit 32, a data buffer unit 33, a priority adjustment unit 34, an adjustment rule unit 35, and a polling task unit 36. The data analysis unit 31 is configured to invoke an analysis rule from the data analysis rule unit 32, analyze the data in the message queue 4 according to the analysis rule, and analyze the transaction condition result of each third-party transaction channel 5. For example, the data analysis unit 31 may determine the transaction abnormal rate according to whether the messages of each channel in the message queue 4 are successfully consumed, may determine the current transaction amount of each channel according to the number of messages corresponding to each channel, and the like. The data analysis rule unit 32 may define successful transactions and failed transactions to form a judgment standard for the data analysis unit 31 to call. The data analysis unit 31 stores the result of the analysis into the data cache unit 33, and the data cache unit 33 may be a distributed cache. The polling task unit 36 regularly calls the priority adjustment unit 34 to adjust the priority of each third-party transaction channel 5. After the priority adjusting unit 34 is called, the transaction condition results of the third party transaction channels 5 analyzed by the data analyzing unit 31 are read from the data caching unit 33, and the adjusting rules are called from the adjusting rule unit 35, so that the priorities of the third party transaction channels 5 are adjusted according to the adjusting rules and the transaction condition results. The adjusted result is fed back to the transaction channel selection unit 12. The adjustment mode is that the priority of each third party transaction channel in each transaction amount interval is correspondingly adjusted.
The manner in which the priority initialization module 2 sets the priority and the manner in which the priority adjustment module 3 adjusts the priority may refer to the corresponding description in the above embodiment of the transaction management method.
In a preferred embodiment, the priority adjustment module adjusts the priority of the third-party transaction channel according to the transaction abnormal condition of the third-party transaction channel: if the transaction abnormal rate of the third party transaction channel is greater than or equal to a first threshold value within a first preset time span, closing the third party transaction channel; if the transaction abnormal rate of the third party transaction channel is greater than or equal to a second threshold value within a second preset time span, the priority of the third party transaction channel is reduced; if the transaction abnormal rate of the third party transaction channel is smaller than a third threshold value within a third preset time span, maintaining or improving the priority of the third party transaction channel; and/or
The priority adjusting module adjusts the priority of the third-party transaction channel according to the current transaction amount of the third-party transaction channel: if the current transaction amount of the third party transaction channel is larger than or equal to a fourth threshold value, the priority of the third party transaction channel is reduced; or if the current transaction amount of the third party transaction channel is less than or equal to a fifth threshold value, the priority of the third party transaction channel is increased.
The adjustment rule is the same as the corresponding description in the above embodiment of the transaction management method, and is not described again here. The adjusted rule may be recorded in the adjustment rule unit 35.
Referring to FIG. 2, in a preferred embodiment, the priority initialization module initializes the priorities of the plurality of third party transaction channels according to the following method:
s201: entering transaction rate rules of the plurality of third party transaction channels;
s202: initializing a current transaction amount to zero;
s203: judging whether the current transaction amount is less than or equal to the maximum limit;
s204: if yes, setting the value of the current transaction amount as the current transaction amount plus the step amount;
s205: calculating the transaction rate of each third party transaction channel corresponding to the current transaction amount according to the transaction rate rules of the plurality of third party transaction channels, and storing the transaction rate into a transaction fee list;
s206: returning to step S203 until the current transaction amount is greater than the maximum limit;
s207: and traversing the transaction fee list, grouping according to the same transaction amount interval, and setting the priority of the plurality of third party transaction channels in each transaction amount interval according to the ranking of transaction rates.
In step S204, the amount of the ladder may be 100. It should be noted that the maximum limit and the step amount may be the same or different for different third party transaction channels. In fact, for each third party transaction channel, the steps from S201 to S206 are performed until the current transaction amount is greater than the maximum limit. In step S207, the transaction amount section is divided into equal intervals of the step amounts within the maximum limit.
In a further preferred embodiment, after step S207, the method further comprises step S208: and traversing the transaction fee list, and merging a plurality of continuous transaction amount intervals with the same priority of the plurality of third-party transaction channels. For example, if there are only two transaction channels, i.e., channel a and channel B, and the priority of channel a is 100 and the priority of channel B is 90 in the three transaction amount intervals of 0-100, 100-200, and 200-300, the three transaction amount intervals are combined to be 0-300, and the priority of channel a is 100 and the priority of channel B is 90 in the transaction amount interval. In some other embodiments, step S208 is: and traversing the transaction fee list, merging a plurality of continuous transaction amount intervals with the same priority for each third-party transaction channel, wherein the merged transaction amount intervals may be different for different third-party transaction channels. As shown in FIG. 6, in the interval of 300-.
The transaction management system and the transaction management method of the embodiment of the invention set the priorities of the plurality of third-party transaction channels according to the transaction rate and dynamically set the priorities according to the transaction conditions of the third-party transaction channels, thereby realizing lower transaction rate and ensuring smooth transaction.
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 (10)
1. A transaction management method, comprising the steps of:
s2: setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third party transaction channels according to the transaction rates;
s4: uniformly adjusting the priority of the third party transaction channel in each transaction amount interval according to the transaction condition of the third party transaction channel;
s6: and receiving a transaction request, and selecting a third party transaction channel with the highest priority in a transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request.
2. The transaction management method of claim 1, wherein in step S4, the priority of the third party transaction channel is adjusted according to the transaction abnormal condition and/or the current transaction amount of the third party transaction channel.
3. The transaction management method of claim 2, wherein in step S4, if the transaction abnormal rate of the third party transaction channel is greater than or equal to the first threshold value within the first preset time period, the third party transaction channel is closed; if the transaction abnormal rate of the third party transaction channel is greater than or equal to a second threshold value within a second preset time span, the priority of the third party transaction channel is reduced; and if the transaction abnormal rate of the third party transaction channel is smaller than a third threshold value within a third preset time span, maintaining or improving the priority of the third party transaction channel.
4. The transaction management method of claim 2, wherein in step S4, if the current transaction amount of the third party transaction channel is greater than or equal to a fourth threshold, the priority of the third party transaction channel is decreased; or
In step S4, if the current transaction amount of the third party transaction channel is less than or equal to the fifth threshold, the priority of the third party transaction channel is increased.
5. The transaction management method according to claim 1, wherein in step S4, the transaction condition of each third party transaction channel is analyzed at regular time, and the priorities of the plurality of third party transaction channels within each transaction amount interval are uniformly adjusted according to the analysis result.
6. The transaction management method of claim 1, wherein the step S2 further comprises the steps of:
s201: entering transaction rate rules and maximum limits of the plurality of third party transaction channels;
s202: initializing a current transaction amount to zero;
s203: judging whether the current transaction amount is less than or equal to the maximum limit;
s204: if yes, setting the value of the current transaction amount as the current transaction amount plus the step amount;
s205: calculating the transaction rate of each third party transaction channel corresponding to the current transaction amount according to the transaction rate rules of the plurality of third party transaction channels, and storing the transaction rate into a transaction fee list;
s206: returning to step S203 until the current transaction amount is greater than the maximum limit;
s207: and traversing the transaction fee list, grouping according to the same transaction amount interval, and setting the priority of the plurality of third party transaction channels in each transaction amount interval according to the ranking of transaction rates.
7. A transaction management system, comprising:
the priority initialization module is used for setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third party transaction channels according to the transaction rates;
the priority adjusting module is used for uniformly adjusting the priority of the third-party transaction channel in each transaction amount interval according to the transaction condition of the third-party transaction channel; and
and the transaction module is used for receiving the transaction request, and selecting the third party transaction channel with the highest priority in the transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request.
8. The transaction management system of claim 7, wherein the priority adjustment module adjusts the priority of the third-party transaction channel according to the transaction exception condition of the third-party transaction channel: if the transaction abnormal rate of the third party transaction channel is greater than or equal to a first threshold value within a first preset time span, closing the third party transaction channel; if the transaction abnormal rate of the third party transaction channel is greater than or equal to a second threshold value within a second preset time span, the priority of the third party transaction channel is reduced; if the transaction abnormal rate of the third party transaction channel is smaller than a third threshold value within a third preset time span, maintaining or improving the priority of the third party transaction channel; and/or
The priority adjusting module adjusts the priority of the third-party transaction channel according to the current transaction amount of the third-party transaction channel: if the current transaction amount of the third party transaction channel is larger than or equal to a fourth threshold value, the priority of the third party transaction channel is reduced; or if the current transaction amount of the third party transaction channel is less than or equal to a fifth threshold value, the priority of the third party transaction channel is increased.
9. The transaction management system of claim 7, wherein the priority initialization module initializes the priorities of the plurality of third party transaction channels according to the following:
s201: entering transaction rate rules of the plurality of third party transaction channels;
s202: initializing a current transaction amount to zero;
s203: judging whether the current transaction amount is less than or equal to the maximum limit;
s204: if yes, setting the value of the current transaction amount as the current transaction amount plus the step amount;
s205: calculating the transaction rate of each third party transaction channel corresponding to the current transaction amount according to the transaction rate rules of the plurality of third party transaction channels, and storing the transaction rate into a transaction fee list;
s206: returning to step S203 until the current transaction amount is greater than the maximum limit;
s207: and traversing the transaction fee list, grouping according to the same transaction amount interval, and setting the priority of the plurality of third party transaction channels in each transaction amount interval according to the ranking of transaction rates.
10. The transaction management system of claim 7, wherein the transaction module further comprises a transaction request receiving unit, a transaction channel selecting unit and a transaction executing unit, the transaction request receiving unit is configured to receive transaction request information, the transaction channel selecting unit is configured to select a third-party transaction channel corresponding to the transaction request information and having a highest priority according to the transaction request information and priorities of the plurality of third-party transaction channels, and the transaction executing unit is configured to perform a transaction with the third-party transaction channel selected by the transaction channel selecting unit and having the highest priority;
the priority adjustment module further comprises a data analysis unit, a data analysis rule unit, a data cache unit, a priority adjustment unit, an adjustment rule unit and a polling task unit, wherein the data analysis unit is used for calling the analysis rule from the data analysis rule unit, analyzing the transaction conditions of the plurality of third-party transaction channels according to the analysis rules to obtain transaction condition results, and storing the data into the data cache unit, wherein the polling task unit is used for calling the priority adjusting unit at regular time, the priority adjusting unit is used for reading the transaction condition results of the plurality of third-party transaction channels from the data cache unit and calling the adjusting rules from the adjusting rule unit, and adjusting the priorities of the plurality of third-party transaction channels according to the adjustment rules and the transaction condition results, and feeding back the adjusted results to the transaction channel selection unit.
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