CN112686756B - Funds channel switching method, device, equipment and medium - Google Patents

Funds channel switching method, device, equipment and medium Download PDF

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CN112686756B
CN112686756B CN202011629848.2A CN202011629848A CN112686756B CN 112686756 B CN112686756 B CN 112686756B CN 202011629848 A CN202011629848 A CN 202011629848A CN 112686756 B CN112686756 B CN 112686756B
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channel
fund
channels
party
funds
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CN112686756A (en
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耿鑫
唐丰
孙智彬
张志平
夏曙东
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Cccc Jinke Iot Technology Beijing Co ltd
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Cccc Jinke Iot Technology Beijing Co ltd
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Abstract

The disclosure relates to the technical field of internet finance, and particularly provides a fund channel switching method, a device, a medium and equipment, wherein the method comprises the following steps: different funding parties are configured according to different user types; selecting an available fund party channel pool to perform configuration of the fund party according to whether the fund party limit is exceeded, whether the fund party limit is in a preset white list, whether the repayment date is exceeded or not, and whether the service time is reached or not; after the user completes the configuration of the fund party, carrying out fund transaction according to the credit of the user; and switching the fund channel by adopting a fund channel preferred method. The method and the device can realize automatic switching when the service is unavailable or the service quality is low due to network or other factors, and automatically switch back after the service is recovered, and select the optimal channel according to the proportion of the transverse dimension and the longitudinal dimension of each factor.

Description

Funds channel switching method, device, equipment and medium
Technical Field
The present disclosure relates to the field of internet finance technology, and more particularly, to a method, apparatus, device, and medium for switching funds channels.
Background
In the context of rapid development of online transaction services in the internet technology, each company will establish its own online transaction service. Meanwhile, the services such as recharging, payment, presenting, clearing and settling provided by the user and the merchant are required to support high-concurrency multi-transaction, so that the user or the merchant can be simultaneously served for supporting more transactions.
The prior art can only achieve service matching, and when external factors such as network blockage of own companies and fund companies are met, automatic channel switching cannot be achieved, so that partial users fail to use the credit or service is not available, independent maintenance cost is required for managing the fund channels, automation cannot be achieved, and users do not feel switching.
Disclosure of Invention
The technical problem that the account maintenance is difficult caused by the increase of transaction business cannot be solved in the prior art.
In order to achieve the above technical object, the present disclosure provides a fund channel switching method, including:
different funding parties are configured according to different user types;
after the user completes the configuration of the fund party, carrying out fund transaction according to the credit of the user;
and switching the fund channel by adopting a fund channel preferred method.
Further, the configuring different funding parties according to different user types specifically includes:
and selecting an available fund channel pool to perform configuration of the fund according to whether the limit of the fund is exceeded, whether the preset white list is exceeded, whether the repayment date is exceeded and whether the service time is exceeded.
Further, the configuration of the fund party according to whether the fund party limit is exceeded, whether the repayment date is exceeded, and whether the available fund party channel pool is selected for the service time comprises the following specific steps:
s101: judging whether the limit of the fund party is exceeded, if not, continuing to execute S102, and if so, switching the next fund party to be selected;
s102: judging whether the fund party is in a preset white list, if so, continuing to execute S103, and if not, switching the next fund party to be selected;
s103: judging whether the transaction time exceeds the fund party repayment date, if not, continuing to execute S104, and if so, switching the next fund party to be selected;
s104: and judging whether an available fund party channel pool is selected in the service time, if so, selecting a current fund party for configuration, and if not, switching a next fund party to be selected.
Further, the preferred method for switching the fund channels by adopting the preferred method for switching the fund channels specifically comprises the following steps:
estimating the total number of the fund circulation requests within a certain time, finding out the optional fund side channels meeting the requirements, and endowing each optional fund side channel with an effective request initial value;
when funds are released from the funds channel, if errors occur in the communication process of the funds channel and any one of the funds channel, reducing the effective request times of the channels;
traversing all channels in the channel pool, and increasing the current request times of the channels of each channel by the effective request times of the channels of each channel;
judging whether the current request times of the channels of the current server are maximum, if so, selecting the channels, and subtracting the request total number from the current request times of the channels;
and selecting the channel with the largest current request times as the channel selected at the time.
To achieve the above technical object, the present disclosure also provides a funds channel switching apparatus, including:
the fund configuration module is used for configuring different fund parties according to different user types;
the fund transaction module is used for carrying out fund transaction according to the credit of the user after the user completes the configuration of the fund party;
and the channel switching module is used for switching the fund channels by adopting a fund channel preferred method.
Further, the fund configuration module is specifically configured to select an available fund channel pool to perform configuration of the fund according to whether the fund limit is exceeded, whether the preset white list is exceeded, whether the repayment date is exceeded, and whether the available fund channel pool is selected in service time.
Further, the fund configuration module specifically includes:
the first judging submodule is used for judging whether the fund limit is exceeded or not;
the second judging submodule is used for judging whether the fund party is in a preset white list or not;
the third judging sub-module is used for judging whether the transaction time exceeds the fund party repayment date;
and the fourth judging sub-module is used for judging whether to select the available fund side channel pool at the service time.
Further, the preferred method for switching the fund channels by adopting the preferred method for switching the fund channels specifically comprises the following steps:
estimating the total number of the fund circulation requests within a certain time, finding out the optional fund side channels meeting the requirements, and endowing each optional fund side channel with an effective request initial value;
when funds are released from the funds channel, if errors occur in the communication process of the funds channel and any one of the funds channel, reducing the effective request times of the channels;
traversing all channels in the channel pool, and increasing the current request times of the channels of each channel by the effective request times of the channels of each channel;
judging whether the current request times of the channels of the current server are maximum, if so, selecting the channels, and subtracting the request total number from the current request times of the channels;
and selecting the channel with the largest current request times as the channel selected at the time.
To achieve the above technical object, the present disclosure also provides a computer storage medium having stored thereon a computer program for implementing the steps of the above-described fund channel switching method when the computer program is executed by a processor.
To achieve the above technical purpose, the present disclosure further provides an electronic device, including a memory, a processor, and a computer program stored on the memory and capable of running on the processor, where the processor implements the steps of the above fund channel switching method when executing the computer program.
The beneficial effects of the present disclosure are:
the method and the device can realize automatic switching when the service is unavailable or the service quality is low due to network or other factors, and automatically switch back after the service is recovered, and select the optimal channel according to the proportion of the transverse dimension and the longitudinal dimension of each factor.
Drawings
FIG. 1 shows a schematic flow diagram of embodiment 1 of the present disclosure;
fig. 2 shows a schematic structural diagram of embodiment 2 of the present disclosure;
fig. 3 shows a schematic structural diagram of embodiment 4 of the present disclosure.
Detailed Description
Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is only exemplary and is not intended to limit the scope of the present disclosure. In addition, in the following description, descriptions of well-known structures and techniques are omitted so as not to unnecessarily obscure the concepts of the present disclosure.
Various structural schematic diagrams according to embodiments of the present disclosure are shown in the drawings. The figures are not drawn to scale, wherein certain details are exaggerated for clarity of presentation and may have been omitted. The shapes of the various regions, layers and relative sizes, positional relationships between them shown in the drawings are merely exemplary, may in practice deviate due to manufacturing tolerances or technical limitations, and one skilled in the art may additionally design regions/layers having different shapes, sizes, relative positions as actually required.
Embodiment one:
as shown in fig. 1:
the present disclosure also provides a funds channel switching method, including:
a funds channel switching method, comprising:
s1: different funding parties are configured according to different user types;
s2: after the user completes the configuration of the fund party, carrying out fund transaction according to the credit of the user;
s3: and switching the fund channel by adopting a fund channel preferred method.
The fund transaction in the fund channel switching method disclosed by the disclosure can be a process such as fund payment or fund recharging.
Further, the configuring different funding parties according to different user types specifically includes:
and selecting an available fund channel pool to perform configuration of the fund according to whether the limit of the fund is exceeded, whether the preset white list is exceeded, whether the repayment date is exceeded and whether the service time is exceeded.
Further, the configuration of the fund party according to whether the fund party limit is exceeded, whether the repayment date is exceeded, and whether the available fund party channel pool is selected for the service time comprises the following specific steps:
s101: judging whether the limit of the fund party is exceeded, if not, continuing to execute S102, and if so, switching the next fund party to be selected;
s102: judging whether the fund party is in a preset white list, if so, continuing to execute S103, and if not, switching the next fund party to be selected;
s103: judging whether the transaction time exceeds the fund party repayment date, if not, continuing to execute S104, and if so, switching the next fund party to be selected;
s104: and judging whether an available fund party channel pool is selected in the service time, if so, selecting a current fund party for configuration, and if not, switching a next fund party to be selected.
Further, the preferred method for switching the fund channels by adopting the preferred method for switching the fund channels specifically comprises the following steps:
estimating the total number of the fund circulation requests within a certain time, finding out the optional fund side channels meeting the requirements, and endowing each optional fund side channel with an effective request initial value;
when funds are released from the funds channel, if errors occur in the communication process of the funds channel and any one of the funds channel, reducing the effective request times of the channels;
traversing all channels in the channel pool, and increasing the current request times of the channels of each channel by the effective request times of the channels of each channel;
judging whether the current request times of the channels of the current server are maximum, if so, selecting the channels, and subtracting the request total number from the current request times of the channels;
and selecting the channel with the largest current request times as the channel selected at the time.
The preferred method of the present disclosure is described in detail below in conjunction with one specific example:
the estimated total number of requests per day is: rn (Total)
Assume that there are three channels: a, B and C.
Split ratio per channel: pa, pb, pc (pa+pb+pc=1)
The number of requests per channel is: ra, rb, rc
Ra=Pa*Rn,Rb=Pb*Rn,Rc=Pc*Rn
effective_request: channel effective request times
current_request: channel current request times
Description of preferred method:
the effective request times of the channel A is Ra.
The effective request times of the channel B is Rb as the initial value.
The effective request times of the channel C is Rc as the initial value.
When a channel is released, if an error occurs in the communication process with a certain channel, its effective_request is reduced.
When a new request comes from the future, the effective_request is gradually increased in the process of selecting the channel, and finally the initial value is restored.
The current request times of the channel are initially 0 and then dynamically adjusted.
The system selects channels each time:
traversing all channels (A, B, C) in the channel pool, increasing the current_request of each channel by its effective_request,
and accumulating the effective_requests of all channels, and storing the effective_requests as Rn.
And judging whether the current_request of the current server is maximum, if so, selecting the channel, and subtracting Rn from the current_request of the current server. If not, the current_request is not selected, and the current_request is not subtracted.
For each request, traversing all available channels in the channel pool, performing, for each channel: current_request+=effective_request.
Accumulating all, and storing as Rn.
And selecting the channel with the largest current_request as the channel selected at the time.
For the channel selected this time, execute: current_request- =rn.
The selected channels are [ a, b, a, a, b, a, c, a, b, a ]
Embodiment two:
as shown in the figure 2 of the drawings,
the present disclosure also provides a funds channel switching apparatus, comprising:
a fund configuration module 201, configured to configure different fund parties according to different user types;
the fund transaction module 202 is configured to perform a fund transaction according to the credit of the user after the user completes the configuration of the fund party;
and the channel switching module 203 is configured to perform fund channel switching by adopting a fund channel preferred method.
The fund configuration module 201 is sequentially connected with the fund transaction module 202 and the channel switching module 203.
Further, the fund configuration module 201 is specifically configured to perform the configuration of the fund according to whether the fund limit is exceeded, whether the preset white list is exceeded, whether the repayment date is exceeded, and whether the available channel pool of the fund is selected at the service time.
Further, the fund configuration module 201 specifically includes:
the first judging submodule is used for judging whether the fund limit is exceeded or not;
the second judging submodule is used for judging whether the fund party is in a preset white list or not;
the third judging sub-module is used for judging whether the transaction time exceeds the fund party repayment date;
and the fourth judging sub-module is used for judging whether to select the available fund side channel pool at the service time.
Further, the preferred method for switching the fund channels by adopting the preferred method for switching the fund channels specifically comprises the following steps:
estimating the total number of the fund circulation requests within a certain time, finding out the optional fund side channels meeting the requirements, and endowing each optional fund side channel with an effective request initial value;
when funds are released from the funds channel, if errors occur in the communication process of the funds channel and any one of the funds channel, reducing the effective request times of the channels;
traversing all channels in the channel pool, and increasing the current request times of the channels of each channel by the effective request times of the channels of each channel;
judging whether the current request times of the channels of the current server are maximum, if so, selecting the channels, and subtracting the request total number from the current request times of the channels;
and selecting the channel with the largest current request times as the channel selected at the time.
Embodiment III:
the present disclosure also provides a computer storage medium having stored thereon a computer program for implementing the steps of the above-described fund channel switching method when executed by a processor.
The computer storage media of the present disclosure may be implemented using semiconductor memory, magnetic core memory, drum memory, or magnetic disk memory.
Semiconductor memory devices mainly used for computers mainly include two types, mos and bipolar. The Mos device has high integration level, simple process and slower speed. Bipolar devices have complex processes, high power consumption, low integration, and high speed. After the advent of NMos and CMos, mos memories began to dominate semiconductor memories. NMos is fast, e.g., 1K bit SRAM access time from Intel corporation is 45ns. And the CMos has low power consumption, and the access time of the CMos static memory with 4K bits is 300ns. The semiconductor memories are all Random Access Memories (RAM), i.e. new contents can be read and written randomly during operation. While semiconductor read-only memory (ROM) is randomly readable but not writable during operation and is used to store cured programs and data. ROM is in turn divided into two types, non-rewritable fuse read-only memory-PROM and rewritable read-only memory EPROM.
The magnetic core memory has the characteristics of low cost and high reliability, and has practical use experience of more than 20 years. Core memory has been widely used as main memory before the mid-70 s. Its storage capacity can be up to above 10 bits, and its access time is up to 300ns. The internationally typical core memory capacity is 4 MS-8 MB with access cycles of 1.0-1.5 mus. After the rapid development of semiconductor memory replaces the location of core memory as main memory, core memory can still be applied as mass expansion memory.
A magnetic drum memory, an external memory for magnetic recording. Because of its fast information access speed, it works stably and reliably, and although its capacity is smaller, it is gradually replaced by disk memory, but it is still used as external memory for real-time process control computers and middle and large-sized computers. In order to meet the demands of small-sized and microcomputer, a microminiature magnetic drum has appeared, which has small volume, light weight, high reliability and convenient use.
A magnetic disk memory, an external memory for magnetic recording. It has the advantages of both drum and tape storage, i.e. its storage capacity is greater than that of drum, and its access speed is faster than that of tape storage, and it can be stored off-line, so that magnetic disk is widely used as external memory with large capacity in various computer systems. Magnetic disks are generally classified into hard disks and floppy disk storage.
Hard disk memory is of a wide variety. Structurally, the device is divided into a replaceable type and a fixed type. The replaceable disk platter is replaceable, and the fixed disk platter is fixed. The replaceable and fixed magnetic disks have two types of multi-disc combination and single-disc structure, and can be divided into fixed magnetic head type and movable magnetic head type. The fixed head type magnetic disk has a small capacity, a low recording density, a high access speed, and a high cost. The movable magnetic head type magnetic disk has high recording density (up to 1000-6250 bit/inch) and thus large capacity, but has low access speed compared with the fixed magnetic head magnetic disk. The storage capacity of the disk product may be up to several hundred megabytes with a bit density of 6 bits per inch and a track density of 475 tracks per inch. The disk group of the disk memory can be replaced, so that the disk memory has large capacity, large capacity and high speed, can store large-capacity information data, and is widely applied to an online information retrieval system and a database management system.
Embodiment four:
the present disclosure also provides an electronic device including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the fund channel switching method described above when executing the computer program.
Fig. 3 is a schematic diagram of an internal structure of an electronic device in one embodiment. As shown in fig. 3, the electronic device includes a processor, a storage medium, a memory, and a network interface connected by a system bus. The storage medium of the computer device stores an operating system, a database and computer readable instructions, the database can store a control information sequence, and the computer readable instructions, when executed by the processor, can enable the processor to realize a fund channel switching method. The processor of the electrical device is used to provide computing and control capabilities, supporting the operation of the entire computer device. The memory of the computer device may have stored therein computer readable instructions that, when executed by the processor, cause the processor to perform a method of funding channel switching. The network interface of the computer device is for communicating with a terminal connection. It will be appreciated by those skilled in the art that the structure shown in FIG. 3 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
The electronic device includes, but is not limited to, a smart phone, a computer, a tablet computer, a wearable smart device, an artificial smart device, a mobile power supply, and the like.
The processor may in some embodiments be comprised of integrated circuits, for example, a single packaged integrated circuit, or may be comprised of multiple integrated circuits packaged with the same or different functionality, including one or more central processing units (Central Processing unit, CPU), microprocessors, digital processing chips, graphics processors, a combination of various control chips, and the like. The processor is a Control Unit (Control Unit) of the electronic device, connects various components of the entire electronic device using various interfaces and lines, and executes various functions of the electronic device and processes data by running or executing programs or modules stored in the memory (for example, executing remote data read-write programs, etc.), and calling data stored in the memory.
The bus may be a peripheral component interconnect standard (peripheral component interconnect, PCI) bus or an extended industry standard architecture (extended industry standard architecture, EISA) bus, among others. The bus may be classified as an address bus, a data bus, a control bus, etc. The bus is arranged to enable a connection communication between the memory and at least one processor or the like.
Fig. 3 shows only an electronic device with components, and it will be understood by those skilled in the art that the structure shown in fig. 3 is not limiting of the electronic device and may include fewer or more components than shown, or may combine certain components, or a different arrangement of components.
For example, although not shown, the electronic device may further include a power source (such as a battery) for supplying power to the respective components, and preferably, the power source may be logically connected to the at least one processor through a power management device, so that functions of charge management, discharge management, power consumption management, and the like are implemented through the power management device. The power supply may also include one or more of any of a direct current or alternating current power supply, recharging device, power failure detection circuit, power converter or inverter, power status indicator, etc. The electronic device may further include various sensors, bluetooth modules, wi-Fi modules, etc., which are not described herein.
Further, the electronic device may also include a network interface, optionally, the network interface may include a wired interface and/or a wireless interface (e.g., WI-FI interface, bluetooth interface, etc.), typically used to establish a communication connection between the electronic device and other electronic devices.
Optionally, the electronic device may further comprise a user interface, which may be a Display, an input unit, such as a Keyboard (Keyboard), or a standard wired interface, a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch, or the like. The display may also be referred to as a display screen or display unit, as appropriate, for displaying information processed in the electronic device and for displaying a visual user interface.
Further, the computer-usable storage medium may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created from the use of blockchain nodes, and the like.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus, device and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is merely a logical function division, and there may be other manners of division when actually implemented.
The modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, may be located in one place, or may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units can be realized in a form of hardware or a form of hardware and a form of software functional modules.
The embodiments of the present disclosure are described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be made by those skilled in the art without departing from the scope of the disclosure, and such alternatives and modifications are intended to fall within the scope of the disclosure.

Claims (8)

1. A method for switching funds channels, comprising:
different funding parties are configured according to different user types;
after the user completes the configuration of the fund party, carrying out fund transaction according to the credit of the user;
switching the fund channel by adopting a fund channel preferred method; the preferred method specifically comprises the following steps:
estimating the total number of the funds circulation requests within a certain time, finding out the optional funds channels meeting the requirements and giving an initial value of the effective request times to each optional funds channel; wherein the initial value of the number of requests of each channel is the product of the total number of requests and the split ratio of each channel; wherein the sum of the split ratios of all channels is equal to 1;
when funds are released from the fund channel, if errors occur in the communication process of the fund channel and any fund channel, the effective request times of the channel are reduced, and when a new request comes, the effective request times of the channel are gradually increased in the process of selecting the channel, and finally the initial value is restored;
the initial value of the current request times of the channel is 0, and then the channel is dynamically adjusted;
the system selects channels each time:
traversing all channels in the channel pool, and increasing the current request times of the channels of each channel by the effective request times of the channels of each channel;
judging whether the current request times of the channels of the current server are maximum, if so, selecting the channel with the maximum current request times as the selected channel, and subtracting the total request number from the current request times of the channels.
2. The method of claim 1, wherein configuring different parties according to different user types comprises:
and selecting an available fund channel pool to perform configuration of the fund according to whether the limit of the fund is exceeded, whether the preset white list is exceeded, whether the repayment date is exceeded and whether the service time is exceeded.
3. The method of claim 2, wherein the configuring of the funding party based on whether the funding party limit is exceeded, whether the default whitelist is exceeded, whether the payoff date is exceeded, and whether the available pool of funding party channels is selected at the service time comprises:
s101: judging whether the limit of the fund party is exceeded, if not, continuing to execute S102, and if so, switching the next fund party to be selected;
s102: judging whether the fund party is in a preset white list, if so, continuing to execute S103, and if not, switching the next fund party to be selected;
s103: judging whether the transaction time exceeds the fund party repayment date, if not, continuing to execute S104, and if so, switching the next fund party to be selected;
s104: and judging whether an available fund party channel pool is selected in the service time, if so, selecting a current fund party for configuration, and if not, switching a next fund party to be selected.
4. A funds channel switching apparatus, comprising:
the fund configuration module is used for configuring different fund parties according to different user types;
the fund transaction module is used for carrying out fund transaction according to the credit of the user after the user completes the configuration of the fund party;
the channel switching module is used for switching the fund channels by adopting a fund channel preferred method; the preferred method specifically comprises the following steps:
estimating the total number of the funds circulation requests within a certain time, finding out the optional funds channels meeting the requirements and giving an initial value of the effective request times to each optional funds channel; wherein the initial value of the number of requests of each channel is the product of the total number of requests and the split ratio of each channel; wherein the sum of the split ratios of all channels is equal to 1;
when funds are released from the fund channel, if errors occur in the communication process of the fund channel and any fund channel, the effective request times of the channel are reduced, and when a new request comes, the effective request times of the channel are gradually increased in the process of selecting the channel, and finally the initial value is restored;
the initial value of the current request times of the channel is 0, and then the channel is dynamically adjusted;
the system selects channels each time:
traversing all channels in the channel pool, and increasing the current request times of the channels of each channel by the effective request times of the channels of each channel;
judging whether the current request times of the channels of the current server are maximum, if so, selecting the channel with the maximum current request times as the selected channel, and subtracting the request total number from the current request times of the channels.
5. The apparatus of claim 4, wherein the fund allocation module is specifically configured to allocate the fund party based on whether a fund party limit is exceeded, whether a preset whitelist is present, whether a payoff date is exceeded, and whether a pool of available fund party channels is selected at service time.
6. The apparatus of claim 5, wherein the fund configuration module specifically comprises:
the first judging submodule is used for judging whether the fund limit is exceeded or not;
the second judging submodule is used for judging whether the fund party is in a preset white list or not;
the third judging sub-module is used for judging whether the transaction time exceeds the fund party repayment date;
and the fourth judging sub-module is used for judging whether to select the available fund side channel pool at the service time.
7. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps corresponding to the funds channel switching method of any one of claims 1 to 3 when the computer program is executed by the processor.
8. A computer storage medium having stored thereon computer program instructions for performing the steps corresponding to the funds channel switching method of any one of claims 1 to 3 when executed by a processor.
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