CN111951000A - Payment request processing method and device - Google Patents

Payment request processing method and device Download PDF

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Publication number
CN111951000A
CN111951000A CN202010856075.5A CN202010856075A CN111951000A CN 111951000 A CN111951000 A CN 111951000A CN 202010856075 A CN202010856075 A CN 202010856075A CN 111951000 A CN111951000 A CN 111951000A
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payment channel
payment
request
weight
channel
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倪小威
张世杰
张许
吴比
陈懋源
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Jilin Yillion Bank Co ltd
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Jilin Yillion Bank Co ltd
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Priority to CN202010856075.5A priority Critical patent/CN111951000A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models

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  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a payment request processing method and a device, which dynamically updates the weight of a payment channel on the basis of the initial weight according to the processing result of the payment channel on a historical surcharge-and-surcharge request, so that after the surcharge-and-surcharge request is received, a target payment channel is allocated for the surcharge-and-surcharge request according to the weight of each payment channel in a payment channel pool, the surcharge-and-surcharge request is received at a higher probability by the payment channel with stronger normal processing capability of the surcharge-and-surcharge request, the surcharge-and-surcharge request is received at a lower probability by the payment channel with weaker normal processing capability of the surcharge-and-surcharge request, a large amount of payment abnormity caused by the fact that a large amount of surcharge requests are received by the payment channels with abnormity is avoided, and the payment efficiency and the stability of a payment system are.

Description

Payment request processing method and device
Technical Field
The invention relates to the technical field of computers, in particular to a payment request processing method and device.
Background
At present, with the diversified development of payment modes, a plurality of payment channels are connected with a payment system, and when the payment system carries out collection and payment, one payment channel is randomly selected from the connected payment channels to carry out collection and payment.
If a system exception occurs inside the selected payment channel, a payment exception will result. At present, under the condition that a large amount of payment abnormity is detected, a collection payment request is manually switched to other normal channels, so that a large amount of payment abnormity is caused in the time between the occurrence of system abnormity in a payment channel and the manual switching of payment passing, and the payment efficiency and the stability of a payment system are greatly influenced.
Disclosure of Invention
In view of the above, the present invention provides a payment control method and device, which dynamically updates the weight of a payment channel based on the processing result of the payment channel on a historical proxy payment request, and allocates the payment channel for the proxy payment request according to the weight of the payment channel, so as to improve the payment efficiency and the stability of a payment system.
In order to achieve the above purpose, the invention provides the following specific technical scheme:
a payment request processing method, comprising:
receiving a payment withholding request;
acquiring the weight of each payment channel in the payment channel pool, wherein the weight of each payment channel dynamically updates the processing result of the historical collection and payment request according to the payment channel on the basis of the initial weight, and is used for representing the capability of normally processing the collection and payment request;
and distributing a target payment channel for the surcharge-and-payment request according to the weight of each payment channel in the payment channel pool.
Optionally, after allocating the target payment channel for the surreptitious payment request according to the weight of each payment channel in the payment channel pool, the method further includes:
judging whether the target payment channel is abnormal or not when the target payment channel processes the collecting and paying request;
if the target payment channel is abnormal, reducing the weight of the target payment channel;
and if no abnormity exists, the weight of the target payment channel is increased.
Optionally, the method further includes:
recording the times of abnormality of the target payment channel when the target payment channel processes the collecting and paying request;
and under the condition that the target payment channel is abnormal when the target payment channel processes the surcharge payment request for N times continuously, removing the target payment channel from the payment channel pool, and adding the target payment channel into a grey list, wherein N is a positive integer greater than 1.
Optionally, the method further includes:
selecting a test payment channel from the grey list at preset time intervals, wherein the test payment channel is the payment channel with the longest time for adding into the grey list;
distributing a collection payment surrogating request for the test payment channel;
removing the test payment channel from the grey list and adding the test payment channel into the payment channel pool under the condition that the test payment channel has no abnormality when a withholding request is processed;
setting a weight for the test payment channel, wherein the weight of the test payment channel is lower than the initial weight of the payment channel.
Optionally, the allocating a target payment channel for a commission and payment request according to the weight of each payment channel in the payment channel pool includes:
setting a corresponding numerical value interval for each payment channel according to the weight of each payment channel;
generating a first random number, and carrying out modular calculation on the first random number and the sum of the weights of all payment channels to obtain a second random number;
determining a value interval where the second random number is located, and determining a payment channel corresponding to the value interval where the second random number is located as the target payment channel;
and allocating a withholding and withholding request for the target payment channel.
A payment request processing apparatus comprising:
a request receiving unit, configured to receive a payment withholding request;
the system comprises a weight acquisition unit, a weight acquisition unit and a weight calculation unit, wherein the weight acquisition unit is used for acquiring the weight of each payment channel in a payment channel pool, and the weight of each payment channel dynamically updates the processing result of a historical withholding and surrogating request according to the payment channel on the basis of the initial weight and is used for representing the capability of normally processing the withholding and surrogating request;
and the request distribution unit is used for distributing a target payment channel for the withholding and withholding request according to the weight of each payment channel in the payment channel pool.
Optionally, the apparatus further includes a weight updating unit, where the weight updating unit is configured to:
judging whether the target payment channel is abnormal or not when the target payment channel processes the collecting and paying request;
if the target payment channel is abnormal, reducing the weight of the target payment channel;
and if no abnormity exists, the weight of the target payment channel is increased.
Optionally, the apparatus further includes a channel management unit, and the grey list processing unit is configured to:
recording the times of abnormality of the target payment channel when the target payment channel processes the collecting and paying request;
and under the condition that the target payment channel is abnormal when the target payment channel processes the surcharge payment request for N times continuously, removing the target payment channel from the payment channel pool, and adding the target payment channel into a grey list, wherein N is a positive integer greater than 1.
Optionally, the channel management unit is further configured to:
selecting a test payment channel from the grey list at preset time intervals, wherein the test payment channel is the payment channel with the longest time for adding into the grey list;
distributing a collection payment surrogating request for the test payment channel;
removing the test payment channel from the grey list and adding the test payment channel into the payment channel pool under the condition that the test payment channel has no abnormality when a withholding request is processed;
setting a weight for the test payment channel, wherein the weight of the test payment channel is lower than the initial weight of the payment channel.
Optionally, the request allocating unit is specifically configured to:
setting a corresponding numerical value interval for each payment channel according to the weight of each payment channel;
generating a first random number, and carrying out modular calculation on the first random number and the sum of the weights of all payment channels to obtain a second random number;
determining a value interval where the second random number is located, and determining a payment channel corresponding to the value interval where the second random number is located as the target payment channel;
and allocating a withholding and withholding request for the target payment channel.
Compared with the prior art, the invention has the following beneficial effects:
the invention discloses a payment request processing method, which dynamically updates the weight of a payment channel on the basis of the initial weight according to the processing result of the historical surcharge-and-surcharge request of the payment channel, so that after the surcharge-and-surcharge request is received, a target payment channel is allocated for the surcharge-and-surcharge request according to the weight of each payment channel in a payment channel pool, the surcharge-and-surcharge request can be received at a higher probability by the payment channel with stronger normal processing capability of the surcharge-and-surcharge request, the surcharge-and-surcharge request can be received at a lower probability by the payment channel with weaker normal processing capability of the surcharge-and-surcharge request, a large amount of payment abnormity caused by the fact that the payment channel with abnormity receives the surcharge-and-surcharge requests in large amount is avoided, and the payment efficiency and the stability of.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flow chart of a payment request processing method according to an embodiment of the present invention;
fig. 2 is a schematic flow chart illustrating a method for allocating a payment withholding request according to an embodiment of the present invention;
FIG. 3 is a diagram illustrating a value range for each payment channel according to an embodiment of the present invention;
FIG. 4 is a schematic flow chart illustrating another payment request processing method according to the embodiment of the present invention;
FIG. 5 is a schematic flow chart illustrating another payment request processing method according to an embodiment of the present disclosure;
fig. 6 is a schematic structural diagram of a payment request processing apparatus according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The invention provides a payment control method and a device, which dynamically updates the weight of a payment channel on the basis of the initial weight according to the processing result of the payment channel on a historical collection and payment request, distributes the payment channel for the collection and payment request according to the weight of the payment channel, avoids a large amount of payment abnormity caused by the fact that the abnormal payment channel receives the collection and payment request in a large amount, and improves the payment efficiency and the stability of a payment system.
Referring to fig. 1, a payment request processing method disclosed in this embodiment specifically includes the following steps:
s101: receiving a payment withholding request;
s102: acquiring the weight of each payment channel in the payment channel pool, wherein the weight of each payment channel dynamically updates the processing result of the historical collection and payment request according to the payment channel on the basis of the initial weight, and is used for representing the capability of normally processing the collection and payment request;
specifically, the weight of each payment channel in the payment channel pool is obtained from a weight data table corresponding to the payment channel pool of the database.
After the system is initialized, the system sets an initial weight for each payment channel in the pool of payment channels. After each payment channel in the payment channel pool processes the surcharge and surcharge request each time, the system can dynamically adjust the weight of the payment channel according to the processing result of the surcharge and surcharge request of the payment channel.
The weight of the payment channel represents the capability of normally processing the withheld request, and it can be understood that the higher the weight of the payment channel is, the stronger the capability of normally processing the withheld request is; the lower the weight of the payment channel, the less capable it is to normally process the tendered payment request.
S103: and distributing a target payment channel for the withholding and surcharge request according to the weight of each payment channel in the payment channel pool.
According to the weight of each payment channel in the payment channel pool, various methods for allocating the target payment channel for the surcharge-and-payment request can be provided, and the overall allocation principle is as follows: the probability that a proxy payment request is assigned to each payment channel is proportional to the weight of each payment channel, i.e. the higher the weight of a payment channel, the higher the probability that a proxy payment request is assigned to that payment channel.
The optional allocation method for collecting and paying the request comprises the following steps: and distributing the collecting and paying requests of the same batch according to the proportion of the weight of each payment channel in the payment channel pool.
In practical application, in order to more scientifically and reasonably allocate a target payment channel for a proxy payment request according to the weight of each payment channel in a payment channel pool, please refer to fig. 2, a method for allocating a proxy payment request disclosed in this embodiment is as follows:
s201: setting a corresponding numerical value interval for each payment channel according to the weight of each payment channel;
sequencing the weight of each payment channel from small to large;
for each payment channel, setting the sum of the weights of all payment channels before the payment channel in the sequence as the minimum value of a corresponding value interval, and setting the sum of the weights of the payment channel and all nodes before the payment channel as the maximum value of the corresponding value interval; and when the payment channel is the first payment channel in the sequence, setting 0 as the minimum value of the corresponding value interval of the payment channel.
Taking the example that the payment channel pool includes 3 payment channels, the 3 payment channels are respectively: the payment channel 1, the payment channel 2 and the payment channel 3 respectively have weight-1, weight-2, weight-3, and the sum of the weight values of the 3 payment channels is weight-sum. Referring to FIG. 3, 0-weight-sum is segmented by 3 weights, which are in turn
Interval 1: 0 to weight-1, corresponding to the payment channel 1
Interval 2: weight-1 to weight-1+ weight-2, corresponding to the payment channel 2
Interval 3: weight-1+ weight-2-weight-1 + weight-2+ weight-3, corresponding to the payment channel 3
S202: generating a first random number, and carrying out modular calculation on the first random number and the sum of the weights of all payment channels to obtain a second random number;
wherein the first random number and the second random number are positive integers.
S203: determining a value interval where the second random number is located, and determining a payment channel corresponding to the value interval where the second random number is located as a target payment channel;
s204: and allocating a withholding and withholding request for the target payment channel.
The method for allocating the withheld request disclosed by the embodiment realizes the allocation of the payment channels with different weights according to unequal probability, so that the higher the weight of the payment channel is, the higher the probability that the withheld request is allocated to the payment channel is, and the better the load balance of each payment channel in the payment channel pool is realized.
Further, in order to dynamically adjust the weight of each payment channel in the payment channel pool according to the processing result of the payment channel on the proxy payment request after each processing of the proxy payment request, please refer to fig. 4, this embodiment discloses another payment request processing method, which specifically includes the following steps:
s301: receiving a payment withholding request;
s302: acquiring the weight of each payment channel in the payment channel pool;
s303: distributing a target payment channel for the withholding and payment-substituting request according to the weight of each payment channel in the payment channel pool;
s304: judging whether the target payment channel is abnormal or not when the target payment channel processes the collection and payment substituting request;
specifically, after the target payment channel is allocated with the unreceived payment request, the static method pay (mapaymap) of the component is directly called, and various parameters required by the target payment channel are put into the payMap parameters, so that the target payment channel processes the unreceived payment request. And then judging whether the target payment channel is abnormal or not when the proxy payment request is processed through the return information of the target payment channel, wherein the return information corresponding to the abnormality comprises information such as transaction processing overtime, transaction processing failure and the like.
If there is an abnormality, execute S305: reducing the weight of the target payment channel;
if there is no exception, execute S306: the weight of the target payment channel is increased.
The weight decreased each time may be the same as or different from the weight increased each time, and is not particularly limited herein.
Further, when a certain payment channel is abnormal when processing a withholding payment-for-delivery request for multiple times, a relatively serious abnormality or fault may occur inside the payment channel, and if the withholding payment-for-delivery request continues to be allocated to the payment channel, a large number of payment abnormalities may be caused, in order to solve this problem, the embodiment discloses another payment request processing method, please refer to fig. 5, which includes the following steps:
s401: receiving a payment withholding request;
s402: acquiring the weight of each payment channel in the payment channel pool;
s403: distributing a target payment channel for the withholding and payment-substituting request according to the weight of each payment channel in the payment channel pool;
s404: judging whether the target payment channel is abnormal or not when the target payment channel processes the collection and payment substituting request;
if there is an exception, execute S405: reducing the weight of the target payment channel;
if there is no exception, go to step S406: the weight of the target payment channel is increased.
S407: recording the times of abnormality of the target payment channel when the target payment channel processes the collecting and paying request;
s408: and under the condition that the target payment channel has an abnormality in processing the proxy payment request for N times, removing the target payment channel from the payment channel pool, and adding the target payment channel into a grey list.
Wherein N is a positive integer greater than 1.
That is, when there is an abnormality in processing the proxy payment request for a certain payment channel N consecutive times, the proxy payment request for a certain payment channel will not be allocated in a short time, avoiding a large number of payment abnormalities.
After a certain payment channel is added into the grey list, the operation and maintenance staff will process the abnormality of the payment channel, and after the processing is completed, the payment channel has the capability of normally processing the collection and payment request.
In order to ensure that the test payment channel selected from the grey list is the payment channel capable of normally processing the surrogated payment request, the test payment channel is the payment channel with the longest time for joining the grey list.
To sum up, the method for processing payment request disclosed by the invention dynamically updates the weight of the payment channel according to the processing result of the payment channel to the historical surcharge-and-surcharge request on the basis of the initial weight, so that after the surcharge-and-surcharge request is received, a target payment channel is allocated to the surcharge-and-surcharge request according to the weight of each payment channel in the payment channel pool, the surcharge-and-surcharge request can be received at a higher probability by the payment channel with stronger normal processing capability to the surcharge-and-surcharge request, the surcharge-and-surcharge request can be received at a lower probability by the payment channel with weaker normal processing capability to the surcharge-and-surcharge request, a large amount of payment abnormity caused by the fact that the payment channel with abnormity receives the surcharge-and-surcharge requests in large amount is avoided, and the payment efficiency and the stability.
Based on the payment request processing method disclosed in the foregoing embodiment, this embodiment correspondingly discloses a payment request processing apparatus, please refer to fig. 6, and the apparatus includes:
a request receiving unit 100 for receiving a payment withholding request;
the weight obtaining unit 200 is configured to obtain a weight of each payment channel in the payment channel pool, where the weight of each payment channel dynamically updates a processing result of the historical subsidy and payment request according to the payment channel on the basis of the initial weight, and is used to represent a capability of normally processing the subsidy and payment request;
a request allocating unit 300, configured to allocate a target payment channel for the surcharge and surcharge request according to the weight of each payment channel in the payment channel pool.
Optionally, the apparatus further includes a weight updating unit, where the weight updating unit is configured to:
judging whether the target payment channel is abnormal or not when the target payment channel processes the collecting and paying request;
if the target payment channel is abnormal, reducing the weight of the target payment channel;
and if no abnormity exists, the weight of the target payment channel is increased.
Optionally, the apparatus further includes a channel management unit, and the grey list processing unit is configured to:
recording the times of abnormality of the target payment channel when the target payment channel processes the collecting and paying request;
and under the condition that the target payment channel is abnormal when the target payment channel processes the surcharge payment request for N times continuously, removing the target payment channel from the payment channel pool, and adding the target payment channel into a grey list, wherein N is a positive integer greater than 1.
Optionally, the channel management unit is further configured to:
selecting a test payment channel from the grey list at preset time intervals, wherein the test payment channel is the payment channel with the longest time for adding into the grey list;
distributing a collection payment surrogating request for the test payment channel;
removing the test payment channel from the grey list and adding the test payment channel into the payment channel pool under the condition that the test payment channel has no abnormality when a withholding request is processed;
setting a weight for the test payment channel, wherein the weight of the test payment channel is lower than the initial weight of the payment channel.
Optionally, the request allocating unit 300 is specifically configured to:
setting a corresponding numerical value interval for each payment channel according to the weight of each payment channel;
generating a first random number, and carrying out modular calculation on the first random number and the sum of the weights of all payment channels to obtain a second random number;
determining a value interval where the second random number is located, and determining a payment channel corresponding to the value interval where the second random number is located as the target payment channel;
and allocating a withholding and withholding request for the target payment channel.
The payment request processing device disclosed in this embodiment dynamically updates the weight of the payment channel based on the processing result of the historical surreptitious payment request by the payment channel on the basis of the initial weight, so that after the surreptitious payment request is received, a target payment channel is allocated for the surreptitious payment request according to the weight of each payment channel in the payment channel pool, the surreptitious payment request is received at a higher probability by the payment channel with a stronger normal processing capability for processing the surreptitious payment request, the surreptitious payment request is received at a lower probability by the payment channel with a weaker normal processing capability for processing the surreptitious payment request, a large amount of payment anomalies caused by the fact that a large amount of surreptitious payment requests are received by the payment channels with anomalies are avoided, and the payment efficiency and the stability of the payment system are improved.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A payment request processing method, comprising:
receiving a payment withholding request;
acquiring the weight of each payment channel in the payment channel pool, wherein the weight of each payment channel dynamically updates the processing result of the historical collection and payment request according to the payment channel on the basis of the initial weight, and is used for representing the capability of normally processing the collection and payment request;
and distributing a target payment channel for the surcharge-and-payment request according to the weight of each payment channel in the payment channel pool.
2. The method of claim 1, wherein after the allocating the target payment channel for the collect-and-pay request according to the weight of each payment channel in the pool of payment channels, the method further comprises:
judging whether the target payment channel is abnormal or not when the target payment channel processes the collecting and paying request;
if the target payment channel is abnormal, reducing the weight of the target payment channel;
and if no abnormity exists, the weight of the target payment channel is increased.
3. The method of claim 2, further comprising:
recording the times of abnormality of the target payment channel when the target payment channel processes the collecting and paying request;
and under the condition that the target payment channel is abnormal when the target payment channel processes the surcharge payment request for N times continuously, removing the target payment channel from the payment channel pool, and adding the target payment channel into a grey list, wherein N is a positive integer greater than 1.
4. The method of claim 3, further comprising:
selecting a test payment channel from the grey list at preset time intervals, wherein the test payment channel is the payment channel with the longest time for adding into the grey list;
distributing a collection payment surrogating request for the test payment channel;
removing the test payment channel from the grey list and adding the test payment channel into the payment channel pool under the condition that the test payment channel has no abnormality when a withholding request is processed;
setting a weight for the test payment channel, wherein the weight of the test payment channel is lower than the initial weight of the payment channel.
5. The method of claim 1, wherein the allocating a target payment channel for a collect-and-pay request according to the weight of each payment channel in the pool of payment channels comprises:
setting a corresponding numerical value interval for each payment channel according to the weight of each payment channel;
generating a first random number, and carrying out modular calculation on the first random number and the sum of the weights of all payment channels to obtain a second random number;
determining a value interval where the second random number is located, and determining a payment channel corresponding to the value interval where the second random number is located as the target payment channel;
and allocating a withholding and withholding request for the target payment channel.
6. A payment request processing apparatus, comprising:
a request receiving unit, configured to receive a payment withholding request;
the system comprises a weight acquisition unit, a weight acquisition unit and a weight calculation unit, wherein the weight acquisition unit is used for acquiring the weight of each payment channel in a payment channel pool, and the weight of each payment channel dynamically updates the processing result of a historical withholding and surrogating request according to the payment channel on the basis of the initial weight and is used for representing the capability of normally processing the withholding and surrogating request;
and the request distribution unit is used for distributing a target payment channel for the withholding and withholding request according to the weight of each payment channel in the payment channel pool.
7. The apparatus of claim 6, further comprising a weight update unit configured to:
judging whether the target payment channel is abnormal or not when the target payment channel processes the collecting and paying request;
if the target payment channel is abnormal, reducing the weight of the target payment channel;
and if no abnormity exists, the weight of the target payment channel is increased.
8. The apparatus of claim 7, further comprising a channel management unit, wherein the grey list processing unit is configured to:
recording the times of abnormality of the target payment channel when the target payment channel processes the collecting and paying request;
and under the condition that the target payment channel is abnormal when the target payment channel processes the surcharge payment request for N times continuously, removing the target payment channel from the payment channel pool, and adding the target payment channel into a grey list, wherein N is a positive integer greater than 1.
9. The apparatus of claim 8, wherein the path management unit is further configured to:
selecting a test payment channel from the grey list at preset time intervals, wherein the test payment channel is the payment channel with the longest time for adding into the grey list;
distributing a collection payment surrogating request for the test payment channel;
removing the test payment channel from the grey list and adding the test payment channel into the payment channel pool under the condition that the test payment channel has no abnormality when a withholding request is processed;
setting a weight for the test payment channel, wherein the weight of the test payment channel is lower than the initial weight of the payment channel.
10. The apparatus according to claim 6, wherein the request allocation unit is specifically configured to:
setting a corresponding numerical value interval for each payment channel according to the weight of each payment channel;
generating a first random number, and carrying out modular calculation on the first random number and the sum of the weights of all payment channels to obtain a second random number;
determining a value interval where the second random number is located, and determining a payment channel corresponding to the value interval where the second random number is located as the target payment channel;
and allocating a withholding and withholding request for the target payment channel.
CN202010856075.5A 2020-08-24 2020-08-24 Payment request processing method and device Pending CN111951000A (en)

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CN114648321A (en) * 2022-05-19 2022-06-21 深圳市思迅软件股份有限公司 Channel flow dynamic management system based on multi-channel payment channel
CN117689476A (en) * 2024-01-26 2024-03-12 北京擘盒科技有限公司 Block chain transaction processing method, system, computer equipment and storage medium

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