CN112308550A - Routing engine device for bank card payment - Google Patents
Routing engine device for bank card payment Download PDFInfo
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- CN112308550A CN112308550A CN202011188800.2A CN202011188800A CN112308550A CN 112308550 A CN112308550 A CN 112308550A CN 202011188800 A CN202011188800 A CN 202011188800A CN 112308550 A CN112308550 A CN 112308550A
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- 238000012545 processing Methods 0.000 claims description 10
- 238000004364 calculation method Methods 0.000 claims description 8
- 238000004458 analytical method Methods 0.000 claims description 3
- 230000015556 catabolic process Effects 0.000 claims description 3
- 238000006731 degradation reaction Methods 0.000 claims description 3
- 238000011156 evaluation Methods 0.000 claims description 3
- 230000014759 maintenance of location Effects 0.000 claims description 3
- 238000000034 method Methods 0.000 abstract description 15
- 230000002159 abnormal effect Effects 0.000 abstract description 4
- 230000008447 perception Effects 0.000 abstract description 3
- 238000010586 diagram Methods 0.000 description 9
- 238000004590 computer program Methods 0.000 description 7
- 230000006870 function Effects 0.000 description 4
- 238000004422 calculation algorithm Methods 0.000 description 2
- 238000013461 design Methods 0.000 description 2
- 238000012423 maintenance Methods 0.000 description 2
- 238000012544 monitoring process Methods 0.000 description 2
- 238000006467 substitution reaction Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 230000000593 degrading effect Effects 0.000 description 1
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- 238000003032 molecular docking Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L47/00—Traffic control in data switching networks
- H04L47/10—Flow control; Congestion control
- H04L47/24—Traffic characterised by specific attributes, e.g. priority or QoS
Abstract
The invention relates to a routing engine device for bank card payment, which comprises a rate rule module, a transaction limit module, a guarantee factor module, a channel type module and a service quality module. When a single payment channel is abnormal, the method can be automatically switched to other channel clients to finish non-perception payment, when the handling fee cost paid by the single channel is too high, the handling fee cost can be reduced according to rules, when a cooperative third party has a certain guarantee requirement, the guarantee requirement can be automatically met according to the rules, when the marketing policy changes, the proper channel can be automatically moved to meet the marketing policy according to the rules, the current can be limited to a non-key interface when the flow is in a peak through parameter setting, and if the current is limited, the corresponding payment channel cannot be obtained, and the default payment channel is used for carrying out bottom-of-the-book payment.
Description
Technical Field
The invention belongs to the technical field of electronic equipment, and particularly relates to a routing engine device for bank card payment.
Background
The Qos of the payment channel of the third party is monitored from time to time, and a corresponding weight proportion is automatically generated according to the Qos of the third party, wherein the weight proportion has simple algorithm logic. When the Qos of the three parties changes, the algorithm variables of the routing rule engine need to be dynamically and thermally loaded.
Because the service system faces to the Internet C-end user, in order to prevent the system from being dragged down due to the fact that the maximum load of the system is exceeded under the condition of instantaneous high concurrency, the request needs to be controlled during the design of the outer-layer api, and besides common newly-added hardware configuration, a plurality of mature schemes such as shunting, degrading and current limiting also appear in the design of the api.
In the related art, the existing docking has too few third parties: we now interface too few third party payment channels and have too little flexibility to choose to monitor their Qos. The difficulty of fund management and account checking is high, and due to the online of the payment route, one service line may be automatically routed to a plurality of third parties for collection, and the funds cannot be rapidly and uniformly managed and checked and counted after being collected into different merchant numbers.
Disclosure of Invention
In view of the above, the present invention is to overcome the defects in the prior art, and provide a routing engine apparatus for bank card payment to solve the problems in the prior art that there are too few third party payment channels, there is too little flexibility in monitoring Qos of third party payment channels, and there is great difficulty in managing and reconciling funds.
In order to achieve the purpose, the invention adopts the following technical scheme: a routing engine apparatus for bank card payments, comprising:
the rate rule module is used for setting payment handling fees collected by the three-party payment channel;
the transaction limit module is used for counting the payment cost of the commission charge and reducing the cost of the commission charge when the cost reaches a preset limit;
the system comprises a capacity factor module, a channel type switching module and a channel type switching module, wherein the capacity factor module is used for switching channel types when the rate of the three-party channels reaches a preset number;
the channel type module is used for selecting a payment channel and selecting a default payment channel for payment when the payment channel cannot be acquired;
and the service quality module is used for ensuring the service quality.
Further, the commission fee includes collecting by percentage or by number of strokes.
Further, the statistical commission payment cost adopts:
according to day or month statistics, according to business line statistics or according to three-party channels statistics.
Further, the method also comprises the following steps:
the transaction data inlet is connected with the channel routing request through a routing bus;
the transaction data inlet is used for flow limiting control, and the flow limiting control refers to flow accessed every minute.
Further, the method also comprises the following steps:
and the cache module is used for storing a rule preset by the reserve factor module so as to improve the calculation efficiency, and the rule is used for calculating the payment cost of the commission fee so as to select the channel type for switching.
Further, the method also comprises the following steps:
and the operation log is used for recording the change of the retention factor each time.
Further, the method also comprises the following steps:
and the analysis module is used for analyzing the cost report so as to correspondingly adjust the guarantee factor.
Further, the method also comprises the following steps:
and the risk processing module is used for fusing degradation processing and adopting a default payment channel when the device is out of service.
Further, the method also comprises the following steps:
and the risk evaluation module is used for estimating the future data volume so as to expand the capacity.
Further, the method also comprises the following steps:
and the database is used for storing data generated by the rate rule module, the transaction limit module, the insurance factor module and the service quality module.
By adopting the technical scheme, the invention can achieve the following beneficial effects:
the invention provides a routing engine device for bank card payment, which solves the problem that the existing bank payment channel is diversified, and the existing bank payment channel is automatically routed to an optimal channel for payment according to the channel real-time monitoring and other factor conditions: when the single payment channel is abnormal, the client can be automatically switched to other channels to finish the non-perception payment. When the cost of the commission paid by the single channel is too high, the cost of the commission can be reduced according to the rule. When the cooperative third party has a certain guarantee amount requirement, the guarantee amount requirement can be automatically met according to the rule. When the marketing policy changes, the user can automatically move to a proper channel according to the rule to meet the marketing policy. The flow can be limited for non-critical interfaces by setting parameters at the flow peak, and if the flow is limited, the corresponding payment channel cannot be acquired, and the user also has a default payment channel for payment at the bottom of a pocket.
Drawings
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 some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a routing engine device for bank card payment according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be described in detail below. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be derived by a person skilled in the art from the examples given herein without any inventive step, are within the scope of the present invention.
A specific routing engine apparatus for bank card payment provided in the embodiments of the present application is described below with reference to the accompanying drawings.
As shown in fig. 1, the routing engine apparatus for bank card payment provided in the embodiment of the present application includes:
the rate rule module is used for setting payment handling fees collected by the three-party payment channel;
the transaction limit module is used for counting the payment cost of the commission charge and reducing the cost of the commission charge when the cost reaches a preset limit;
the system comprises a capacity factor module, a channel type switching module and a channel type switching module, wherein the capacity factor module is used for switching channel types when the rate of the three-party channels reaches a preset number;
the channel type module is used for selecting a payment channel and selecting a default payment channel for payment when the payment channel cannot be acquired;
and the service quality module is used for ensuring the service quality.
Preferably, the commission includes collecting by percentage or by number of strokes.
Preferably, the payment cost of the statistical commission fee adopts the following steps:
according to day or month statistics, according to business line statistics or according to three-party channels statistics.
When a certain third party is abnormal in a short time after the payment routing engine is accessed, the whole payment can be made to be unaware by a customer, the commission cost of the customer can be automatically calculated according to the transaction amount during payment, and the appropriate cost plus Qos standard channel is selected for payment, so that the cost of paying the commission cost can be greatly saved.
Preferably, the method further comprises the following steps:
the transaction data inlet is connected with the channel routing request through a routing bus;
the transaction data inlet is used for flow limiting control, and the flow limiting control refers to flow accessed every minute.
The overall implementation of payment routing is a unified transaction data portal. Then a unified routing rule engine (rate, quota, Qos, and guarantee) is calculated, and because the unified entry can perform flow limitation control (such as specifying the flow accessed per minute), the stability of the system is guaranteed. The rate rule module, the transaction limit module, the guarantee factor module and the service quality module in the application generate the calculation formula correspondingly through maintaining the threshold and the weight of the routing factor by operation and maintenance personnel. The conservation factor module obtains a final calculation formula and a final weight in advance, and writes the calculation formula and the weight into the cache module. Then, the routing rule management is directly substituted into the relevant parameters of the transaction data for calculation (such as money amount, system and the like), and finally a channel with the maximum weight is obtained. If 2 randomly selected channels with the same weight are obtained, if one channel is not obtained, the default channel is taken.
Preferably, the method further comprises the following steps:
and the cache module is used for storing a rule preset by the reserve factor module so as to improve the calculation efficiency, and the rule is used for calculating the payment cost of the commission fee so as to select the channel type for switching.
Specifically, in order to meet the speed of the interface, the application uses a redis cache module. And the calculation efficiency of the factor rule is improved.
In some embodiments, the present application further comprises:
and the operation log is used for recording the change of the retention factor each time.
Specifically, in order to guarantee the risk of operation and the requirements related to account checking, the operation log is recorded for each change of the routing factor.
Preferably, the method further comprises the following steps:
and the analysis module is used for analyzing the cost report so as to correspondingly adjust the guarantee factor.
The device provided by the application generates the cost report forms according to the day and the month for operators to check and analyze, and facilitates subsequent routing factor configuration adjustment and maintenance.
Preferably, the method further comprises the following steps:
and the risk processing module is used for fusing degradation processing and adopting a default payment channel when the device is out of service.
Preferably, the method further comprises the following steps:
and the risk evaluation module is used for estimating the future data volume so as to expand the capacity.
Preferably, the present application further comprises:
and the database is used for storing data generated by the rate rule module, the transaction limit module, the insurance factor module and the service quality module.
In summary, the present invention provides a routing engine device for bank card payment, which includes a rate rule module for setting payment handling fee collected by a three-party payment channel; the transaction limit module is used for counting the payment cost of the commission charge and reducing the cost of the commission charge when the cost reaches a preset limit; the system comprises a capacity factor module, a channel type switching module and a channel type switching module, wherein the capacity factor module is used for switching channel types when the rate of the three-party channels reaches a preset number; the channel type module is used for selecting a payment channel and selecting a default payment channel for payment when the payment channel cannot be acquired; and the service quality module is used for ensuring the service quality. When a single payment channel is abnormal, the method can be automatically switched to other channel clients to finish non-perception payment, when the handling fee cost paid by the single channel is too high, the handling fee cost can be reduced according to rules, when a cooperative third party has a certain guarantee requirement, the guarantee requirement can be automatically met according to the rules, when the marketing policy changes, the proper channel can be automatically moved to meet the marketing policy according to the rules, the current can be limited to a non-key interface when the flow is in a peak through parameter setting, and if the current is limited, the corresponding payment channel cannot be obtained, and the default payment channel is used for carrying out bottom-of-the-book payment.
It is to be understood that the above-provided device embodiments correspond to the above-described device embodiments, and the corresponding specific contents may be referred to each other, which is not described herein again.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as an apparatus, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of apparatus, devices (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (10)
1. A routing engine apparatus for bank card payments, comprising:
the rate rule module is used for setting payment handling fees collected by the three-party payment channel;
the transaction limit module is used for counting the payment cost of the commission charge and reducing the cost of the commission charge when the cost reaches a preset limit;
the system comprises a capacity factor module, a channel type switching module and a channel type switching module, wherein the capacity factor module is used for switching channel types when the rate of the three-party channels reaches a preset number;
the channel type module is used for selecting a payment channel and selecting a default payment channel for payment when the payment channel cannot be acquired;
and the service quality module is used for ensuring the service quality.
2. The apparatus of claim 1,
the commission includes collecting by percentage or by number of strokes.
3. The apparatus of claim 1 or 2, wherein the statistical commission payment cost employs:
according to day or month statistics, according to business line statistics or according to three-party channels statistics.
4. The apparatus of claim 1, further comprising:
the transaction data inlet is connected with the channel routing request through a routing bus;
the transaction data inlet is used for flow limiting control, and the flow limiting control refers to flow accessed every minute.
5. The apparatus of claim 1, further comprising:
and the cache module is used for storing a rule preset by the reserve factor module so as to improve the calculation efficiency, and the rule is used for calculating the payment cost of the commission fee so as to select the channel type for switching.
6. The apparatus of claim 1, further comprising:
and the operation log is used for recording the change of the retention factor each time.
7. The apparatus of claim 6, further comprising:
and the analysis module is used for analyzing the cost report so as to correspondingly adjust the guarantee factor.
8. The apparatus of claim 1, further comprising:
and the risk processing module is used for fusing degradation processing and adopting a default payment channel when the device is out of service.
9. The apparatus of claim 8, further comprising:
and the risk evaluation module is used for estimating the future data volume so as to expand the capacity.
10. The apparatus of claim 1, further comprising:
and the database is used for storing data generated by the rate rule module, the transaction limit module, the insurance factor module and the service quality module.
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| CN202011188800.2A CN112308550A (en) | 2020-10-30 | 2020-10-30 | Routing engine device for bank card payment |
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| CN202011188800.2A CN112308550A (en) | 2020-10-30 | 2020-10-30 | Routing engine device for bank card payment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113159740A (en) * | 2021-03-11 | 2021-07-23 | 深圳市分期乐网络科技有限公司 | Payment channel determining method and device, electronic equipment and storage medium |
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