CN114626853A - Method, system, terminal device and storage medium for payment channel automatic management - Google Patents
Method, system, terminal device and storage medium for payment channel automatic management Download PDFInfo
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- CN114626853A CN114626853A CN202210464769.3A CN202210464769A CN114626853A CN 114626853 A CN114626853 A CN 114626853A CN 202210464769 A CN202210464769 A CN 202210464769A CN 114626853 A CN114626853 A CN 114626853A
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- 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
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention provides a method, a system, terminal equipment and a storage medium for automatic management of a payment channel, and relates to the field of computer systems. The invention can quickly and accurately monitor the fault channel and automatically complete the closing of the fault channel, thereby greatly reducing the failure transactions caused by channel faults, integrally improving the payment success rate and improving the customer experience, simultaneously automatically completing the closing of the fault channel and the activity detection recovery, realizing full automation in the whole process without manual intervention and greatly degrading the manual operation cost.
Description
Technical Field
The invention relates to the field of computer systems, in particular to a method, a system, terminal equipment and a storage medium for automatic management of a payment channel.
Background
With the increasing payment demand, a payment platform is accessed to a large number of payment channels, but due to the fact that the system and network stability of the payment channels are different and faults occur sometimes, the payment success rate of the payment platform is reduced, and stable payment service is difficult to provide for downstream.
When a payment channel fails, the prior art mainly calculates the actual payment success rate of the channel by presetting a payment success rate threshold of the payment channel and acquiring the total ratio of payment and the total number of successful payments within the time of the sliding block, and if the actual payment success rate is smaller than the payment success rate threshold, the payment channel is judged to fail and is closed. And allowing a small number of users to use the fault channel, and re-opening the closed fault channel when all the users pay successfully.
However, the above-mentioned techniques have drawbacks, particularly:
1. the false channel closing caused by the failure condition (such as insufficient balance, overdue certificate and the like) that the actual payment success rate is calculated and the reason of the client is not removed;
2. the situation that the transaction amount is small in the sliding block time is not considered in the calculation of the actual payment success rate, and the channel is closed by mistake due to the fact that the actual situation deviates from the payment channel;
3. aiming at the condition that the payment channel has continuous small-scale faults (such as network continuous fluctuation) but the integral success rate is still higher than the success rate threshold value in the sliding block time, the prior art cannot detect the channel faults, so that the integral payment success rate is reduced;
4. the automatic recovery of the fault channel is tried once by a small number of users, firstly, the users cause few samples, the actual situation of the channel is easy to deviate, and the fault channel is opened by mistake; and secondly, a gradient retry mechanism is not provided, so that the channel with longer fault time cannot be automatically recovered, and manual intervention is still needed.
Disclosure of Invention
The embodiment of the invention provides a method, a system, terminal equipment and a storage medium for automatic management of a payment channel.
A method for payment channel automatic management specifically comprises the following steps: the payment request party initiates a payment request, and the payment module acquires an available payment channel from the channel routing module and requests the payment channel.
Further: the method also comprises a channel fault automatic processing flow, and the specific steps comprise:
1. the payment monitoring module monitors channel transaction success rate abnormity and sends an alarm to a technical worker and an operator, simultaneously automatically closes a fault channel, starts a fault channel activity detection task, and starts channel activity detection after a set period;
2. the channel routing module filters the closed channel when routing the channel, selects other available channels and cuts the flow away from the fault channel;
3. carrying out small-scale release verification on the fault channel activity detection task, if the small-scale release transaction success rate is normal, continuing to release the quantity according to the proportion until all verification flow is released, automatically opening a fault channel, and if the transaction success rate is abnormal in the release process, carrying out release verification after a set period until the channel is recovered to be normal;
4. when the channel routing module routes the channel, the re-opened fault channel can be selected, and the flow is switched back to the channel.
Further: the method further comprises a payment monitoring process, and specifically comprises presetting of monitoring parameters and transaction monitoring.
Further: and the transaction monitoring comprises calculating the transaction success rate in the sliding block time and detecting the channel to be alive after judging that the channel is closed due to a fault.
Further: the system comprises a payment module, a channel routing module, a payment monitoring module and a management module;
the payment module is used for acquiring a payment request, a payment channel and a payment channel request;
a channel routing module for providing a plurality of payment channels;
the payment monitoring module is used for monitoring the channel success rate abnormity and sending an alarm to the technical personnel and the operating personnel;
and the management module is used for maintaining the switch to close the payment channel and configuring corresponding parameters.
And further: the terminal device may include: the device comprises a processor, a storage medium and a bus, wherein the storage medium stores machine readable instructions executable by the processor, when the terminal device runs, the processor and the storage medium are communicated through the bus, and the processor executes the machine readable instructions to execute the steps of the deep learning model training method in the embodiment.
And further: a storage medium storing a computer program which, when executed by a processor, performs the steps of the method described above.
The invention has the beneficial effects that: the invention can quickly and accurately monitor the fault channel and automatically complete the closing of the fault channel, thereby greatly reducing the failure transactions caused by channel faults, integrally improving the payment success rate and improving the customer experience, simultaneously automatically completing the closing of the fault channel and the activity detection recovery, realizing full automation in the whole process without manual intervention and greatly degrading the manual operation cost.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
FIG. 1 shows a schematic flow diagram of the method of the present invention;
FIG. 2 shows a schematic diagram of the composition of the apparatus of the present invention;
FIG. 3 is a schematic diagram showing the composition of the terminal device of the present invention;
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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 should be understood that the drawings in the present invention are for illustrative and descriptive purposes only and are not used to limit the scope of the present invention. Additionally, it should be understood that the schematic drawings are not necessarily drawn to scale. The flowcharts used in this disclosure illustrate operations implemented according to some embodiments of the present invention. It should be understood that the operations of the flow diagrams may be performed out of order, and steps without logical context may be performed in reverse order or simultaneously. One skilled in the art, under the direction of this summary, may add one or more other operations to, or remove one or more operations from, the flowchart.
In addition, the described embodiments of the present invention are only some embodiments of the present invention, and not all embodiments of the present invention. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the term "comprising" will be used in the embodiments of the invention to indicate the presence of the features stated hereinafter, but does not exclude the addition of further features. It should also be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. In the description of the present invention, it should also be noted that the terms "first", "second", "third", and the like are used for distinguishing the description, and are not intended to indicate or imply relative importance.
Fig. 1 shows a flow chart of the steps of the method of the invention.
The method for the automatic management of the payment channel comprises the specific steps that a payment requester initiates a payment request, and a payment module acquires an available payment channel from a channel routing module and requests the payment channel.
The method also comprises a channel fault automatic processing flow, and the specific steps comprise:
1. the payment monitoring module monitors channel transaction success rate abnormity and sends an alarm to a technical worker and an operator, simultaneously automatically closes a fault channel, starts a fault channel activity detection task, and starts channel activity detection after 5 minutes (configurable);
2. the channel routing module filters the closed channel when routing the channel, selects other available channels and cuts the flow away from the fault channel;
3. the fault channel activity detection task carries out small-scale release verification, if the small-scale release transaction success rate is normal, proportional release is continued until all verification flows are released, the fault channel is automatically opened, and if the transaction success rate is abnormal in the release process, 5min x 2 is carried outnThen, the release amount verification is carried out until the channel is recovered to be normal;
4. when the channel routing module routes the channel, the re-opened fault channel can be selected, and the flow is switched back to the channel.
The method further comprises a payment monitoring process, specifically comprising presetting of monitoring parameters and transaction monitoring;
and the transaction monitoring comprises the steps of calculating the transaction success rate in the preset appointed operation time and detecting the channel to be alive after judging that the channel is closed due to a fault.
Specifically, when the transaction number of the failure of removing the customer reason within the preset specified operation time is larger than the first gradient failure transaction number threshold, the failure of the payment channel is judged, and the channel is closed;
the transaction number of failure in removing the customer reason within the preset specified operation time is larger than a second gradient failure transaction number threshold, 1 is added to a frequency counter of a second gradient by a failure number, and the counter > is equal to the frequency threshold, the payment channel is judged to be in failure, and the channel is closed;
presetting transaction number which eliminates the reason of the customer and fails within the appointed operation time as a number threshold, adding 1 to a number counter of times that the number of failed times is less than a first gradient, judging the failure of the payment channel if the counter is a second gradient failure transaction number threshold, and closing the channel;
and presetting the transaction success rate within the appointed operation time as a channel success rate threshold, if the transaction number in the preset appointed operation time is greater than the transaction number threshold in the processing, and presetting the transaction total number within the appointed operation time as the transaction number threshold, judging that the payment channel is in failure, and closing the channel.
As shown in fig. 2, the system 50 of the present invention includes a payment module, a channel routing module, a payment monitoring module, and a management module;
the payment module is used for acquiring a payment request, a payment channel and a payment channel request;
a channel routing module for providing a plurality of payment channels;
the payment monitoring module is used for monitoring the channel success rate abnormity and sending an alarm to the technical personnel and the operating personnel;
and the management module is used for maintaining the switch to close the payment channel and configuring corresponding parameters.
As shown in fig. 3, the terminal device 6 may include: a processor 601, a storage medium 602 and a bus 603, wherein the storage medium 602 stores machine-readable instructions executable by the processor 601, when the terminal device runs, the processor 601 and the storage medium 602 communicate with each other through the bus 603, and the processor 601 executes the machine-readable instructions to perform the steps of the deep learning model training method as described in the foregoing embodiments. The specific implementation and technical effects are similar, and are not described herein again.
For ease of illustration, only one processor is depicted in the terminal device described above. However, it should be noted that in some embodiments, the terminal device in the present invention may further include multiple processors, and thus, the steps performed by one processor described in the present invention may also be performed by multiple processors in combination or individually.
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 the present invention shall be covered thereby. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (9)
1. A method for automated management of payment channels, comprising the steps of: and the payment requester initiates a payment request, and the payment module acquires an available payment channel from the channel routing module and requests the payment channel.
2. The method of claim 1, further comprising a channel failure automatic processing flow, the specific steps comprising:
firstly, a payment monitoring module monitors channel transaction success rate abnormity and sends an alarm to a technology and an operator, simultaneously a fault channel is automatically closed, a fault channel activity detection task is started, and channel activity detection is started after a set period;
secondly, the channel routing module filters the closed channel when routing the channel, selects other available channels and cuts the flow away from the fault channel;
thirdly, carrying out release verification on the fault channel activity detection task;
and fourthly, when the channel routing module routes the channel, switching the flow back to the channel by selecting the reopened fault channel.
3. The method according to claim 1, further comprising a payment monitoring process, in particular comprising presetting of monitoring parameters and transaction monitoring.
4. The method of claim 3, wherein the transaction monitoring includes calculating a transaction success rate over a slider time and detecting a channel as failed after closing the channel.
5. The method of claim 2, wherein if the volume trading success rate is normal, the proportional volume is continued until all verification traffic is discharged, and a fault channel is automatically opened.
6. The method of claim 2, wherein if the transaction success rate is abnormal during the release process, the release verification is performed after a set period until the channel returns to normal.
7. An intelligent early warning system for office system interface change is characterized by comprising a payment module, a channel routing module, a payment monitoring module and a management module;
the payment module is used for acquiring a payment request, a payment channel and a payment channel request;
a channel routing module for providing a plurality of payment channels;
the payment monitoring module is used for monitoring the channel success rate abnormity and sending an alarm to the technical personnel and the operating personnel;
and the management module is used for maintaining the switch to close the payment channel and configuring corresponding parameters.
8. A terminal device, comprising: a processor, a storage medium and a bus, the storage medium storing machine-readable instructions executable by the processor, the processor and the storage medium communicating via the bus when the terminal device is operating, the processor executing the machine-readable instructions to perform the steps of the method according to any one of claims 1 to 6 when executed.
9. A storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, performs the steps of the method according to any one of claims 1 to 6.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210464769.3A CN114626853A (en) | 2022-04-29 | 2022-04-29 | Method, system, terminal device and storage medium for payment channel automatic management |
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| CN202210464769.3A CN114626853A (en) | 2022-04-29 | 2022-04-29 | Method, system, terminal device and storage medium for payment channel automatic management |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116739571A (en) * | 2023-08-07 | 2023-09-12 | 深圳前海移联科技有限公司 | Intelligent route regulation and control method, system, computer equipment and storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116739571A (en) * | 2023-08-07 | 2023-09-12 | 深圳前海移联科技有限公司 | Intelligent route regulation and control method, system, computer equipment and storage medium |
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