CN116308386A - Service processing method, device, computer program product and readable storage medium - Google Patents

Abstract

The application relates to a business processing method, a business processing device, computer equipment, a storage medium and a computer program product, which are applied to the technical field of data processing. The method comprises the following steps: acquiring target processing information of a target service and a preset route list corresponding to the target processing information; determining the target processing route with the highest priority in the preset route list according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time; checking the available state of the target processing route according to the target processing information; and processing the target business through the target processing route when the target processing route is determined to be in the available state. The method can reduce the failure rate of service processing.

Description

Business processing method, device, computer program product and readable storage medium

technical field

The present application relates to the technical field of data processing, and in particular to a business processing method, device, computer equipment, computer-readable storage medium and computer program product.

Background technique

With the development of information technology, financial institutions can provide multiple processing postal channels for business processing when processing users' business, so as to complete the user's business through one of the processing postal channels.

However, if the user chooses an inappropriate processing postal route, the processing failure is prone to occur; moreover, when the processing fails, the user will consult the customer service, which makes the operation cost of manual intervention high.

Contents of the invention

Based on this, it is necessary to provide a business processing method, device, computer equipment, computer readable storage medium and computer program product capable of reducing the failure rate of business processing for the above technical problems.

In a first aspect, the present application provides a business processing method, the method comprising:

Obtaining the target processing information of the target business and the preset postal route list corresponding to the target processing information;

According to the target processing information and the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time, determine the target processing postal route with the highest priority in the preset postal route list;

Verifying the availability status of the target processing postal route according to the target processing information;

When it is determined that the target processing postal route is in an available state, the target service is processed through the target processing postal route.

In one of the embodiments, the processing status information includes the target channel success rate, target abnormal failure rate and target response time of each of the processing mail routes;

The determining the target processing mail route with the highest priority in the preset mail route list according to the target processing information and the processing state information of each processing mail route in the preset mail route list corresponding to the current processing time includes:

determining the processing cost information corresponding to each processing mail route in the preset mail route list according to the target processing information and the benchmark processing cost of each processing mail route in the preset mail route list;

According to the target channel success rate and the benchmark success rate of each processing postal route in the preset postal route list, obtain the success rate information corresponding to each processing postal route in the preset postal route list;

Obtaining abnormal failure rate information corresponding to each processing post in the preset post route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing post in the preset post route list;

Obtaining time-consuming processing information corresponding to each processing post in the preset post route list according to the target response time and the reference response time of each processing post in the preset post route list;

According to the processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each processing postal route in the preset postal route list, determine the priority of each processing postal route in the preset postal route list;

Based on the priority of each processing postal route in the preset postal route list, determine the target processing postal route with the highest priority in the preset postal route list.

In one embodiment, the method also includes:

When it is determined that the target processing postal route is unavailable, select a processing postal route with the next priority from the preset postal route list as the target processing postal route, and perform the processing according to the target processing information. , a step of verifying the availability status of the target processing postal route until it is determined that the target processing postal route is in an available state.

In one of the embodiments, the target channel success rate of each of the processing mail routes includes the channel success rate of at least one preset time period;

According to the target channel success rate and the benchmark success rate of each processing post in the preset post route list, obtaining the success rate information corresponding to each processing post in the preset post route list includes:

According to the channel success rate of each processing mail route in the preset mail route list in at least one preset time period and the reference success rate, obtain the success rate information corresponding to each processing mail route in the preset mail route list .

In one of the embodiments, the target processing information includes the target business type of the target business, the target processing amount, the target used processing amount, the target certificate type, and the target business recipient;

The checking the availability status of the target processing postal route according to the target processing information includes:

Acquire the business processing time period corresponding to the target processing postal route;

When the current processing time is within the service processing time period corresponding to the target processing postal route, determine whether the target processing postal route supports the target service according to the target service type;

When it is determined that the target processing postal route supports the target service, acquiring the channel quota control condition of the target processing postal route;

When it is determined that the channel quota control condition is satisfied according to the target processing amount and the target used processing amount, obtain the certificate type supported by the target processing postal route;

When the credential type supported by the target processing postal route includes the target credential type, acquire the service recipients supported by the target processing postal route;

When the service recipients supported by the target processing postal route include the target service recipient, it is determined that the target processing postal route is in an available state.

In one of the embodiments, the target used processing quota includes a used single-day quota, and the channel quota control condition includes a single-day processing quota;

The determining that the channel limit control condition is met according to the target processing amount and the target used processing amount includes:

When the sum of the target processing amount and the used daily quota is less than the single-day processing quota, it is determined that the channel quota control condition is met.

In a second aspect, the present application provides a service processing device, the device comprising:

An acquisition module, configured to acquire the target processing information of the target business and the preset postal route list corresponding to the target processing information;

The mail route processing module is configured to determine the target processing mail with the highest priority in the preset mail route list according to the target processing information and the processing state information of each processed mail route in the preset mail route list corresponding to the current processing time. road;

A postal route verification module, configured to verify the availability status of the target processing postal route according to the target processing information;

A service processing module, configured to process the target service through the target processing postal route when it is determined that the target processing postal route is available.

In a third aspect, the present application also provides a computer device. The computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the following steps when executing the computer program:

Obtaining the target processing information of the target business and the preset postal route list corresponding to the target processing information;

According to the target processing information and the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time, determine the target processing postal route with the highest priority in the preset postal route list;

Verifying the availability status of the target processing postal route according to the target processing information;

When it is determined that the target processing postal route is in an available state, the target service is processed through the target processing postal route.

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer-readable storage medium has a computer program stored thereon, and when the computer program is executed by a processor, the following steps are implemented:

Obtaining the target processing information of the target business and the preset postal route list corresponding to the target processing information;

According to the target processing information and the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time, determine the target processing postal route with the highest priority in the preset postal route list;

Verifying the availability status of the target processing postal route according to the target processing information;

When it is determined that the target processing postal route is in an available state, the target service is processed through the target processing postal route.

In a fifth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

Obtaining the target processing information of the target business and the preset postal route list corresponding to the target processing information;

According to the target processing information and the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time, determine the target processing postal route with the highest priority in the preset postal route list;

Verifying the availability status of the target processing postal route according to the target processing information;

When it is determined that the target processing postal route is in an available state, the target service is processed through the target processing postal route.

The above-mentioned business processing method, device, computer equipment, storage medium and computer program product obtain the target processing information of the target business and the preset postal route list corresponding to the target processing information, so as to obtain the target processing information and the preset corresponding to the current processing time The processing status information of each processing postal route in the postal route list determines the target processing postal route with the highest priority in the preset postal route list, which can avoid selecting an inappropriate processing postal route for the user's target business and reduce the failure of business processing rate; and verify the available status of the target processing postal route through the target processing information, it can be determined whether the target processing postal route is occupied by other services, so that the failure of processing the target service can be avoided, and the failure rate of business processing is reduced; Furthermore, when it is determined that the target processing postal route is available and the target service is processed through the target processing postal route, the success rate of service processing can be improved.

Description of drawings

Fig. 1 is an application environment diagram of a business processing method in an embodiment;

Fig. 2 is a schematic flow chart of a business processing method in an embodiment;

Fig. 3 is a flow diagram of determining the highest priority target processing postal route in the preset postal route list according to the target processing information and the processing status information of each processing postal route list corresponding to the current processing time in one embodiment ;

Fig. 4 is a schematic flow diagram of checking the available status of the target processing postal route according to the target processing information in one embodiment;

Fig. 5 is a schematic flow chart of a business processing method in another embodiment;

Fig. 6 is a structural block diagram of a service processing device in an embodiment;

Figure 7 is an internal block diagram of a computer device in one embodiment.

Detailed ways

In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

The service processing method provided in the embodiment of the present application may be applied in the application environment shown in FIG. 1 . Wherein, the terminal 102 communicates with the server 104 through the network. The data storage system may store data to be processed by the server 104. In this embodiment, the data storage system may store target processing information of the target service. The data storage system can be integrated on the server 104, or placed on the cloud or other network servers. The terminal 102 can be, but not limited to, various personal computers, notebook computers, smart phones and tablet computers, and the server 104 can be realized by an independent server or a server cluster composed of multiple servers.

Specifically, the terminal 102 obtains the target processing information of the target business, and can send the target processing information to the server 104, so that the server 104 can obtain the preset postal route list corresponding to the target processing information according to the target processing information; The processing status information of each processing postal route in the preset postal route list corresponding to the processing time, determine the target processing postal route with the highest priority in the preset postal route list; and according to the target processing information, check the available status of the target processing postal route Checking; when it is determined that the target processing postal route is available, the target service is processed through the target processing postal route.

In one embodiment, as shown in FIG. 2 , a service processing method is provided. The method is applied to the server 104 in FIG. 1 as an example for illustration, including the following steps:

S202. Obtain target processing information of the target service and a preset postal route list corresponding to the target processing information.

Among them, the target business refers to business related to financial institutions, financial institutions may include banks, etc., target business may include asset business and payment and settlement business, etc.; for example, asset business may include deposits and loans, etc., payment and settlement business may include remittance and transfers etc.

In some embodiments, when the user handles the target business at the financial institution, the financial institution can obtain the target processing information of the user's target business based on the user's input operation; or, when the user handles the target business at the terminal corresponding to the financial institution, the terminal The target processing information of the target business can be obtained.

Wherein, the target processing information refers to the business information required for processing the target business, and the target processing information may include the target business type and the target processing amount of the target business; the target business type refers to the transaction type of the target business, for example, the target The business type may include loans and investments, etc.; the target processing amount refers to the amount of the target business transaction, for example, the target processing amount may include a loan amount, a transfer amount, and the like.

In some embodiments, the target processing information includes the target service type of the target service, and the target processing information can be obtained according to the target service type and the corresponding relationship between the service type and the postal route list by obtaining the corresponding relationship between the service type and the postal route list Corresponding default mailing list.

In some embodiments, the target processing information includes the target transaction amount, and by obtaining the corresponding relationship between the transaction amount and the postal list, according to the target transaction amount, and the corresponding relationship between the transaction amount and the postal list, the estimated value corresponding to the target processing information can be obtained. Set mailing list.

S204, according to the target processing information and the processing state information of each processing mail route in the preset mail route list corresponding to the current processing time, determine the target processing mail route with the highest priority in the preset mail route list.

Among them, the current processing time refers to the time when the user triggers the target service; the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time refers to the time in the preset postal route list before the user triggers the target service. Status information of each processing postal route when processing business; the processing postal route in the preset postal route list refers to the channel used to complete the target business. For example, when the target business includes payment and settlement business, etc., the processing postal route is payment postal route road.

In some embodiments, the processing state information of each processing postal route may include the target channel success rate, target abnormal failure rate and target response time of each processing postal route; the target channel success rate of each processing postal route refers to the target channel success rate of each processing postal route. The actual success rate of postal route processing business, the target abnormal failure rate of each processing postal route refers to the actual failure rate of each processing postal route processing business abnormality, and the target response time of each processing postal route refers to the The actual processing time of the business.

It can be understood that by combining the target processing information and the processing status information of each processing postal route in the preset postal route list, the target processing postal route with the highest priority in the preset postal route list can be determined, so that the corresponding target service can be selected for the user. The matching target processing postal route can avoid selecting an inappropriate processing postal route for the user's target business, reducing the failure rate of business processing.

S206, according to the target processing information, check the availability status of the target processing postal route.

Among them, the available status of the target processing postal route refers to the business occupation status of the target processing postal route; when the target processing postal route is occupied by other services, the target processing postal route is in an unavailable state; when the target processing postal route is not occupied by other services When occupied, the destination processing post is available. It can be understood that when the availability status of the target processing postal route is verified through the target processing information, it can be determined whether the target processing postal route is occupied by other services, so that the processing failure of the target service can be avoided, and the cost of service processing is reduced. failure rate.

S208, when it is determined that the target processing postal route is available, process the target service through the target processing postal route.

Among them, when it is determined that the target processing postal route is available, it means that the target processing postal route is not currently occupied by other services. In this way, the target service can be completed through the target processing postal route, and at the same time, the target processing postal route can be avoided. business failure.

To sum up, in the embodiment shown in FIG. 2, by obtaining the target processing information of the target business and the preset postal route list corresponding to the target processing information, according to the preset postal route list corresponding to the target processing information and the current processing time The processing status information of each processing postal route determines the target processing postal route with the highest priority in the preset postal route list, which can avoid selecting an inappropriate processing postal route for the user's target business, and reduces the failure rate of business processing; and through The target processing information checks the available status of the target processing postal route, and can determine whether the target processing postal route is occupied by other services, so that the failure of processing the target service can be avoided, and the failure rate of business processing is reduced; furthermore, when the target processing postal route is determined The target processing postal route is in an available state, and when the target service is processed through the target processing postal route, the success rate of business processing can be improved.

In one embodiment, the processing state information of each processing mail route in the preset mail route list may include target channel success rate, target abnormal failure rate and target response time of each processing mail route; specifically, as shown in FIG. 3 , Provides a schematic flow chart of determining the highest priority target processing postal route in the preset postal route list according to the target processing information and the processing state information of each processing postal route list corresponding to the current processing time, using the The method is applied to the server 104 in FIG. 1 as an example for illustration, and may include the following steps:

S302. Determine processing cost information corresponding to each processing mail route in the preset mail route list according to the target processing information and the benchmark processing cost of each processing mail route in the preset mail route list.

Among them, the benchmark processing cost of each processing postal route refers to the service fee (such as handling fee) paid by the business when each processing postal route is processed in advance, and the processing cost information corresponding to each processing postal route refers to each processing postal route. The actual service information of the postal route processing target service; wherein, the processing cost information corresponding to each processing postal route may include the processing cost factor of each processing postal route processing target service.

In some embodiments, the target processing information may include the target processing amount, specifically, according to the target processing information and the benchmark processing cost of each processing postal route in the preset postal route list, determine the corresponding amount of each processing postal route in the preset postal route list The processing cost information includes: determining the processing cost information corresponding to each processing postal route in the preset postal route list according to the target processing amount and the benchmark processing cost.

Specifically, according to the target processing amount and the benchmark processing cost, determine the processing cost information corresponding to each processing postal route in the preset postal route list, including: obtaining the channel charging method corresponding to each processing postal route in the preset postal route list; According to the channel charging method and target processing amount corresponding to the processing postal route, the target processing cost corresponding to each processing postal route in the preset postal route list is obtained; according to the target processing cost corresponding to each processing postal route and the benchmark processing cost of each processing postal route, The processing cost information corresponding to each processing mail route in the preset mail route list is determined.

In some embodiments, the processing cost information corresponding to each processing postal route includes the processing cost factor corresponding to each processing postal route as an example, the processing cost factor corresponding to each processing postal route=the benchmark processing cost of each processing postal route/each processing The target processing cost corresponding to the postal route.

Specifically, the channel charging method may include charging according to the range of the processing amount. For example, if the processing amount is 0 yuan to 5,000 yuan, the processing cost corresponding to the postal route is 3 yuan; the processing amount is 5,001 yuan to 10,000 yuan. The processing cost corresponding to the postal route is 5 yuan; if the target processing amount is 3000 yuan, the target processing cost corresponding to the postal route is 3 yuan.

Specifically, the channel charging method corresponding to each processing postal route may include charging according to the channel rate corresponding to each processing postal route, and the target processing cost corresponding to each processing postal route is the channel rate corresponding to each processing postal route and the target The product of the processing amount; for example, the channel fee rate corresponding to each processing postal route is 3%, if the target processing amount is 3,000 yuan, then the target processing cost corresponding to each processing postal route is 9 yuan.

S304. According to the target channel success rate and the reference success rate of each processing mail route in the preset mail route list, obtain the success rate information corresponding to each processing mail route in the preset mail route list.

Wherein, the benchmark success rate of each processing postal route refers to the pre-set success rate of each processing postal route processing business, and the target channel success rate of each processing postal route refers to the actual success rate of each processing postal route processing business, The success rate information corresponding to each processing postal route refers to the corresponding proportion information when each processing postal route successfully processes the target business; wherein, the success rate information corresponding to each processing postal route may include the corresponding ratio when each processing postal route successfully processes the target business success factor.

S306. Obtain abnormal failure rate information corresponding to each processing mail route in the preset mail route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing mail route in the preset mail route list.

Among them, the reference abnormal failure rate of each processing postal route refers to the failure rate of the pre-set processing business of each processing postal route, and the target abnormal failure rate of each processing postal route refers to the actual abnormality of each processing postal route processing business. Failure rate, the abnormal failure rate information corresponding to each processing postal route refers to the proportion information when each processing postal route fails to process the target business; wherein, the abnormal failure rate information corresponding to each processing postal route may include the processing target business of each processing postal route Abnormal failure rate factor on failure.

S308. According to the target response time and the reference response time of each processing mail route in the preset mail route list, obtain the processing time consumption information corresponding to each processing mail route in the preset mail route list.

Wherein, the reference response time of each processing postal route refers to the processing time when each processing postal route is processed in advance, and the target response time of each processing postal route refers to the actual processing time of each processing postal route processing business, The processing time-consuming information corresponding to each processing postal route refers to the time when each processing postal route successfully processes the target business; wherein, the processing time-consuming information corresponding to each processing postal route may include the processing time when each processing postal route successfully processes the target business time consuming factor.

S310, according to the processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each processing postal route in the preset postal route list, determine the priority of each processing postal route in the preset postal route list.

In some embodiments, the processing cost information corresponding to each processing postal route may include the processing cost factor when each processing postal route successfully processes the target business, and the success rate information corresponding to each processing postal route may include each processing postal route successfully processing the target business The success rate factor of time, the abnormal failure rate information corresponding to each processing postal route may include the abnormal failure rate factor when each processing postal route fails to process the target business, and the processing time-consuming information corresponding to each processing postal route may include the success of each processing postal route The processing time-consuming factor when processing the target business; by weighting and summing the processing cost factor, success rate factor, abnormal failure rate factor and processing time-consuming factor respectively, the priority of each processing mail route in the preset mail route list can be determined .

For example, the priority of each processing postal route in the preset postal route list = the success rate weight corresponding to each processing postal route × success rate factor + the abnormal failure rate weight corresponding to each processing postal route × abnormal failure rate factor + each processing postal route Corresponding processing time-consuming weight × processing time-consuming factor + processing cost weight corresponding to each processing postal route × processing time-consuming factor. Wherein, the above-mentioned specific values of the weights corresponding to each processing postal route may be obtained based on experience or experimental tests, and are not specifically limited in this embodiment.

S312. Based on the priority of each processing mail route in the preset mail route list, determine the target processing mail route with the highest priority in the preset mail route list.

Wherein, after determining the priority of each processing postal route in the preset postal route list, the priorities of the processing postal routes in the preset postal route list can be sorted in descending order, so as to sort the first processing in the preset postal route list The postal route is determined as the target processing postal route.

To sum up, in the embodiment shown in FIG. 3, the processing cost information corresponding to each processing mail route in the preset mail route list is determined according to the target processing information and the benchmark processing cost of each processing mail route in the preset mail route list ; and according to the target channel success rate and benchmark success rate of each processing postal route in the preset postal route list, obtain the corresponding success rate information of each processing postal route in the preset postal route list; According to the target abnormal failure rate and benchmark abnormal failure rate of the postal route, the abnormal failure rate information corresponding to each processing postal route in the preset postal route list is obtained; and according to the target response time and benchmark response of each processing postal route in the preset postal route list Time, to obtain the processing time-consuming information corresponding to each processing postal route in the preset postal route list; and according to the processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each processing postal route in the preset postal route list information to determine the priority of each processing post in the preset post list, so as to determine the target processing post with the highest priority in the preset post list based on the priority of each processing post in the preset post list, which can be Avoid selecting an inappropriate processing postal route for the user's target business, thereby avoiding the failure of the target business and reducing the failure rate of business processing; furthermore, when the target processing postal route is determined to be available, the target processing postal When processing the target business, the success rate of business processing can be improved; thus, the problem of high operating costs caused by manual intervention can be avoided when the business processing fails.

With reference to the embodiments shown in Figures 2 and 3, in one embodiment, the service processing method may further include: when it is determined that the target processing postal route is unavailable, selecting the next priority postal route from the preset postal route list The processing postal route is used as the target processing postal route, and the step of verifying the availability status of the target processing postal route according to the target processing information is performed until the target processing postal route is determined to be available.

It can be understood that when the processing postal route with the highest priority in the preset postal route list is determined as the target processing postal route, if the target processing postal route is unavailable, the next priority postal route can be selected from the preset postal route list. The processing postal route is the target postal route, and the processing postal route with the next priority is a processing postal route with a priority lower than the priority corresponding to the current target processing postal route and higher than that corresponding to other processing postal routes, so that the processing of the target business can be avoided The process is interrupted, reducing the failure rate of business processing.

On the basis of the embodiment shown in Figure 3, in one embodiment, the target channel success rate of each processing postal route includes the channel success rate of at least one preset time period, according to each processing postal route in the preset postal route list The target channel success rate and benchmark success rate, and obtain the success rate information corresponding to each processing mail route in the preset mail route list, including: according to the channel success of each processing mail route in the preset mail route list in at least one preset time period rate, and the benchmark success rate, to obtain the success rate information corresponding to each processed mail route in the preset mail route list. Wherein, the preset time period may include at least one of the following items: the channel success rate of each processing mail route within 1 minute, the channel success rate of each processing mail route within 10 minutes, the channel success rate of each processing mail route within 30 minutes, The channel success rate of the channel, or the channel success rate of each postal channel processed within one hour, etc.

Specifically, the success rate information corresponding to each processing postal route includes the success rate factor corresponding to each processing postal route, and the channel success rate of the preset time period includes the channel success rate of each processing postal route within 1 minute, the channel success rate of each processing postal route per 10 minutes The channel success rate of each processing post in 30 minutes and the channel success rate of each processing post within 30 minutes are examples, the corresponding success rate factor of each processing post = ((the channel of each processing post within 1 minute Success Rate/Baseline Success Rate)+(Channel Success Rate of Each Processed Mail Channel/Baseline Success Rate)+(Channel Success Rate of Each Processed Mail Line in Every 30 Minutes/Baseline Success Rate))/3 .

Similarly, the target abnormal failure rate of each processing postal route may include the abnormal failure rate of at least one preset time period, and then, according to the abnormal failure rate of each processing postal route in the preset postal route list in at least one preset time period , and the reference abnormal failure rate to obtain the abnormal failure rate information corresponding to each processing mail route in the preset mail route list.

Specifically, the abnormal failure rate information corresponding to each processing postal route includes the abnormal failure rate factor corresponding to each processing postal route, and the abnormal failure rate of the preset time period includes the abnormal failure rate of each processing postal route within 1 minute, and the abnormal failure rate per processing postal route. The abnormal failure rate of each processing postal route within 10 minutes and the abnormal failure rate of each processing postal route within 30 minutes are examples, and the abnormal failure rate factor corresponding to each processing postal route=((standard abnormal failure rate/every 1 minute Abnormal failure rate of each processing postal route within 10 minutes)+(base abnormal failure rate/abnormal failure rate of each processing postal route within 10 minutes)+(baseline abnormal failure rate/abnormal failure rate of each processing postal route within 30 minutes Failure rate))/3.

Similarly, the target response time of each processing postal route may include the response time of at least one preset time period, and then, according to the response time of each processing postal route in the preset postal route list in at least one preset time period and the benchmark Response time, to obtain the processing time-consuming information corresponding to each processing mail route in the preset mail route list.

Specifically, the processing time-consuming information corresponding to each processing postal route includes the processing time-consuming factor corresponding to each processing postal route, and the response time in the preset time period includes the response time of each processing postal route within 1 minute, and the response time of each processing postal route within 10 minutes. As an example, the response time of each processing postal route within 30 minutes and the response time of each processing postal route within 30 minutes, the processing time consumption factor corresponding to each processing postal route=((standard response time/each processing postal route within 1 minute (response time of each postal route) + (response time of standard response time/response time of each postal route within 10 minutes)+(response time of reference/response time of postal route within 30 minutes))/3.

It should be noted that among the success rate factors, abnormal failure rate factors, and processing time-consuming factors described above corresponding to each processing postal route, "3" is related to the number of selected preset time periods.

In one embodiment, the target processing information may include the target business type of the target business, the target processing amount, the target used processing amount, the target certificate type, and the target business recipient; specifically, as shown in Figure 4, a method based on Target processing information, a schematic flow diagram of verifying the available status of the target processing postal route, using the method applied to the server 104 in Figure 1 as an example for illustration, may include the following steps:

S402. Obtain a service processing time period corresponding to the target processing postal route.

Wherein, the business processing time period corresponding to the target processing postal route is used to indicate the time interval for the target processing postal route to process the business. When the processing time of the business is within the business processing time period corresponding to the target processing postal route, the target processing postal route can The success rate of processing business.

S404. When the current processing time is within the processing time period corresponding to the target processing postal route, determine whether the target processing postal route supports the target service according to the type of the target service.

Among them, when the current processing time is within the processing time period corresponding to the target processing postal route, it means that the processing time of the target business is within the channel availability time interval of the target processing postal route, so as to ensure the success rate of the processing business of the target processing postal route, Further, it is determined whether the target processing postal channel supports the target service, so as to ensure that no abnormality occurs when the target processing postal channel processes the target service, thereby reducing the failure rate of service processing.

In some embodiments, the corresponding relationship between the service type and the processing postal route can be obtained, and then based on the corresponding relationship between the service type and the processing postal route, it can be determined whether the target processing postal route supports the target service; In the corresponding relationship, if the query finds that the target processing postal route has a corresponding relationship with the target service type, then it is determined that the target processing postal route supports the target service.

It should be noted that, when the current processing time is not within the processing time period corresponding to the target processing postal route, it is determined that the target processing postal route is in an unavailable state; and, at the current processing time, it is within the processing time period corresponding to the target processing postal route When it is within, but the target processing postal route does not support the target business, the target processing postal route is also unavailable.

S406. When it is determined that the target processing postal route supports the target service, acquire the channel quota control condition of the target processing postal route.

Among them, the channel quota control condition of the target processing postal route is used to indicate the resource restriction condition when the target processing postal route handles business, and the resources may include amount, etc.; for example, the channel quota control condition of the target processing postal route may include single-day processing quota, Monthly processing quota and single business processing limit, etc.

S408, when it is determined according to the target processing amount and the target used processing quota that the channel quota control condition is met, acquire the certificate type supported by the target processing postal route.

Among them, the target processing amount refers to the transaction amount when processing the target business, and the target used processing quota refers to the used transaction quota of the user who triggered the target business. For example, the target used processing quota can include the used daily quota and Used monthly quota, etc.; in some embodiments, when the sum of the target processing amount and the target used processing quota meets the corresponding upper limit in the channel quota control condition, it is determined that the channel quota control condition is met.

It should be noted that, when it is determined that the channel quota control condition is not met according to the target processing amount and the target used processing quota, the target processing postal route is in an unavailable state.

S410, when the credential type supported by the postal route of the target processing includes the target credential type, acquire the service recipient supported by the postal route of the target processing.

Among them, the target certificate type refers to the certificate type of the user who triggers the target service, and different processing mail routes support different certificate types; in some embodiments, the target processing route can be determined based on the corresponding relationship between the processing mail route and the certificate type. Whether the postal route supports the target certificate type; if the corresponding relationship between the target processing postal route and the target certificate type is found in the corresponding relationship between the processing postal route and the target document type, it can be determined that the target certificate type meets the channel requirements of the target processing postal route.

Among them, the business recipient supported by the target processing postal route refers to the transaction recipient when the target processing postal route processing business; The target handles the postal route, and Bank B is the service recipient supported by the target processing postal route.

S412. When the service recipient supported by the target processing postal route includes the target service recipient, determine that the target processing postal route is in an available state.

In some embodiments, it can be determined whether the target processing postal route supports the target service recipient based on the corresponding relationship between the processing postal route and the service recipient; If there is a corresponding relationship between the postal route and the target service recipient, it can be determined that the service recipients supported by the target processing postal route include the target service recipient, that is, the service recipients supported by the target processing postal route include the target service recipient, then the target processing can be determined The postal route is available, that is, the target processing postal route can be used to process the target service.

To sum up, in the embodiment shown in 4, by combining the target processing information, it is progressively verified whether the target processing postal route can be used to process the target business, so as to reduce the failure rate of the target processing postal route when processing the target business, thereby also It can avoid the problem of high operating costs caused by manual intervention when business processing fails.

In one embodiment, the target used processing quota includes a used single-day quota, and the channel quota control condition includes a single-day processing quota. Specifically, according to the target processing amount and the target used processing quota, determining that the channel quota control condition is met includes: When the sum of the target processing amount and the used daily quota is less than the daily processing limit, it is determined that the channel limit control condition is met. Among them, by comparing the target processing amount of the target business, the used amount and the corresponding limit, it can be guaranteed that when the target processing amount is traded based on the target processing postal route, no business processing will occur due to the target processing amount exceeding In case of failure, the failure rate of business processing is reduced.

Similarly, when the target used processing quota includes the used monthly quota, and the channel limit control conditions include the single-month processing limit, according to the target processing amount and the target used processing quota, the determination to meet the channel limit control conditions includes: When the target processing amount When the sum of the used monthly quota and the monthly processing quota is less than the monthly processing quota, it is determined that the channel quota control condition is met.

In combination with the above content, in one embodiment, if the target business is the payment and settlement business, then each processing postal route in the corresponding preset postal route list is the payment postal route, and the corresponding target processing information is the target transaction information, and the target transaction information includes The target business type, target transaction amount, target used transaction amount, target certificate type, and target business recipient are examples for illustration. As shown in Figure 5, a schematic flow diagram of a business processing method is provided, and the application of this method Taking the server 104 in FIG. 1 as an example for illustration, the following steps may be included:

S502. Obtain the target transaction information of the target business and the preset postal route list corresponding to the target transaction information;

S504. Determine the transaction cost information corresponding to each payment postal route in the preset postal route list according to the target transaction information and the benchmark transaction cost.

S506. Obtain success rate information corresponding to each payment postal route in the preset postal route list according to the channel success rate and the reference success rate of each payment postal route in the preset postal route list in multiple preset time periods.

S508. Obtain abnormal failure rate information corresponding to each payment postal route in the preset postal route list according to the abnormal failure rate and the reference abnormal failure rate of each payment postal route in the preset postal route list in multiple preset time periods.

S510. According to the response time and the reference response time of each payment postal route in the preset postal route list in multiple preset time periods, obtain processing time-consuming information corresponding to each payment postal route in the preset postal route list.

S512. According to the processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each payment postal route in the preset postal route list, determine the priority of each payment postal route in the preset postal route list.

S514. Based on the priority of each payment postal route in the preset postal route list, determine the target payment postal route with the highest priority in the preset postal route list.

S516. Determine whether the current transaction time is within the transaction time period corresponding to the target payment postal route.

Wherein, when it is determined that the current transaction time is within the transaction time period corresponding to the target payment postal route, execute S518; when it is determined that the current transaction time is not within the transaction time period corresponding to the target payment postal route, perform S528.

S518. Determine whether the target payment postal channel supports the target service according to the target service type.

Wherein, when it is determined according to the target service type that the target payment postal channel supports the target service, perform S520; when it is determined according to the target service type that the target payment postal channel does not support the target service, perform S528.

S520. Determine whether the channel limit control condition is met according to the target transaction amount and the target used transaction quota.

Wherein, when it is determined according to the target transaction amount and the target used transaction limit that the channel limit control condition is satisfied, execute S522; when it is determined according to the target transaction amount and the target used transaction limit that the channel limit control condition is not satisfied, execute S528.

S522. Determine whether the certificate types supported by the target payment mail route include the target certificate type.

Wherein, when it is determined that the certificate type supported by the target payment mail route includes the target certificate type, execute S524; when it is determined that the certificate type supported by the target payment mail route does not include the target certificate type, execute S528.

S524. Determine whether the service recipient supported by the target payment postal channel includes the target service recipient.

Wherein, when it is determined that the service recipient supported by the target payment mail channel includes the target service recipient, execute S526; when it is determined that the service recipient supported by the target payment mail route does not include the target service recipient, execute S528.

S526. Determine that the target payment postal route is available, and process the target business through the target payment postal route.

S528. Select the payment postal route with the next priority from the preset postal route list as the target payment postal route, and execute S516.

Wherein, for the specific content of S502-S528, reference may be made to the foregoing content to adapt to the description, and details are not repeated here.

It should be understood that although the steps in the flow charts involved in the above embodiments are shown sequentially according to the arrows, these steps are not necessarily executed sequentially in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least some of the steps in the flow charts involved in the above-mentioned embodiments may include multiple steps or stages, and these steps or stages are not necessarily executed at the same time, but may be performed at different times For execution, the execution order of these steps or stages is not necessarily performed sequentially, but may be executed in turn or alternately with other steps or at least a part of steps or stages in other steps.

Based on the same inventive concept, an embodiment of the present application further provides a service processing device for implementing the above-mentioned service processing method. The solution to the problem provided by the device is similar to the implementation described in the above method, so the specific limitations in one or more embodiments of the business processing device provided below can refer to the above definition of the business processing method, I won't repeat them here.

In one embodiment, as shown in FIG. 6 , a service processing device is provided, including: an acquisition module 602, a postal route processing module 604, a postal route verification module 606, and a service processing module 608, wherein:

The obtaining module 602 is used to obtain the target processing information of the target business and the preset postal route list corresponding to the target processing information; the postal route processing module 604 is used to obtain each item in the preset postal route list corresponding to the target processing information and the current processing time. Process the processing state information of the postal route, and determine the target processing postal route with the highest priority in the preset postal route list; the postal route verification module 606 is used to verify the available status of the target processing postal route according to the target processing information; The service processing module 608 is configured to process the target service through the target processing postal route when it is determined that the target processing postal route is available.

In one of the embodiments, the processing status information includes the target channel success rate, target abnormal failure rate and target response time of each processing postal route; the postal route processing module is also used for: according to the target processing information and the preset postal route list The benchmark processing cost of each processing postal route determines the processing cost information corresponding to each processing postal route in the preset postal route list; according to the target channel success rate and benchmark success rate of each processing postal route in the preset postal route list, the preset The success rate information corresponding to each processing postal route in the postal route list; according to the target abnormal failure rate and the benchmark abnormal failure rate of each processing postal route in the preset postal route list, obtain the abnormality corresponding to each processing postal route in the preset postal route list Failure rate information; according to the target response time and reference response time of each processing postal route in the preset postal route list, the processing time-consuming information corresponding to each processing postal route in the preset postal route list is obtained; according to each processing postal route in the preset postal route list The processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to the processing postal route determine the priority of each processing postal route in the preset postal route list; Priority, to determine the target processing mail route with the highest priority in the preset mail route list.

In one of the embodiments, the postal route verification module is also used for: when it is determined that the target processing postal route is unavailable, select the processing postal route of the next priority from the preset postal route list as the target processing postal route, And execute the step of verifying the available state of the target processing postal route according to the target processing information until it is determined that the target processing postal route is in the available state.

In one of the embodiments, the target channel success rate of each processing postal route includes the channel success rate of at least one preset time period; the postal route processing module is also used for: according to each processing postal route in the preset postal route list The channel success rate and the benchmark success rate for a preset time period are used to obtain the success rate information corresponding to each processing mail route in the preset mail route list.

In one of the embodiments, the target processing information includes the target business type of the target business, the target processing amount, the target used processing quota, the target certificate type, and the target business recipient; the mail route verification module is also used to: obtain the target processing mail The business processing time period corresponding to the route; when the current processing time is within the business processing time period corresponding to the target processing route, determine whether the target processing route supports the target business according to the target business type; when it is determined that the target processing route supports the target business When the channel quota control condition of the target processing postal route is obtained; when the channel quota control condition is satisfied according to the target processing amount and the target used processing quota, the certificate type supported by the target processing postal route is obtained; when the target processing postal route supports When the credential type includes the target credential type, obtain the business recipients supported by the target processing postal route; when the service recipients supported by the target processing postal route include the target business recipient, determine that the target processing postal route is available.

In one of the embodiments, the used processing quota of the target includes the daily quota used, and the channel quota control condition includes the daily processing quota; the mail verification module is also used for: When it is less than the daily processing limit, it is determined that the channel limit control condition is met.

Each module in the above-mentioned business processing device can be fully or partially realized by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, and can also be stored in the memory of the computer device in the form of software, so that the processor can invoke and execute the corresponding operations of the above-mentioned modules.

In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure may be as shown in FIG. 7 . The computer device includes a processor, memory and a network interface connected by a system bus. Wherein, the processor of the computer device is used to provide calculation and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs and databases. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage medium. The database of the computer device is used to store a benchmark success rate, a benchmark response time, a benchmark exception failure rate, and a benchmark processing cost. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a business processing method is realized.

Those skilled in the art can understand that the structure shown in Figure 7 is only a block diagram of a part of the structure related to the solution of this application, and does not constitute a limitation to the computer equipment on which the solution of this application is applied. The specific computer equipment can be More or fewer components than shown in the figures may be included, or some components may be combined, or have a different arrangement of components.

In one embodiment, a computer device is provided, which includes a memory and a processor. A computer program is stored in the memory. When the processor executes the computer program, the following steps are implemented: acquiring the target processing information of the target business and the information corresponding to the target processing information Preset postal route list; determine the target processing postal route with the highest priority in the preset postal route list according to the target processing information and the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time; according to the target processing information, to verify the available status of the target processing postal route; when it is determined that the target processing postal route is available, the target business is processed through the target processing postal route.

In one of the embodiments, the processing state information includes the target channel success rate, target abnormal failure rate and target response time of each processing postal route; when the processor executes the computer program, the following steps are also implemented: according to the target processing information and preset postal routes According to the benchmark processing cost of each processing postal route in the list, determine the corresponding processing cost information of each processing postal route in the preset postal route list; according to the target channel success rate and benchmark success rate of each processing postal route list in the preset postal route list, obtain The success rate information corresponding to each processing postal route in the preset postal route list; according to the target abnormal failure rate and the benchmark abnormal failure rate of each processing postal route list in the preset postal route list, the corresponding According to the target response time and reference response time of each processing postal route in the preset postal route list, the processing time-consuming information corresponding to each processing postal route in the preset postal route list is obtained; according to the preset postal route list The processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each processing postal route in the list determine the priority of each processing postal route in the preset postal route list; The priority of the route is to determine the target processing route with the highest priority in the preset route list; the target processing route is the highest priority processing route in the preset route list.

In one of the embodiments, when the processor executes the computer program, it also implements the following steps: when it is determined that the target processing postal route is unavailable, select a processing postal route with the next priority from the preset postal route list as the target processing postal route and perform the step of verifying the available status of the target processing postal route according to the target processing information until it is determined that the target processing postal route is in an available state.

In one of the embodiments, the target channel success rate of each processing postal route includes the channel success rate of at least one preset time period; when the processor executes the computer program, the following steps are also implemented: according to each processing postal route in the preset postal route list The channel success rate and the reference success rate in at least one preset time period are obtained to obtain the success rate information corresponding to each processed mail route in the preset mail route list.

In one of the embodiments, the target processing information includes the target business type of the target business, the target processing amount, the target used processing quota, the target certificate type, and the target business recipient; when the processor executes the computer program, the following steps are also implemented: obtaining the target The business processing time period corresponding to the processing postal route; when the current processing time is within the business processing time period corresponding to the target processing postal route, determine whether the target processing postal route supports the target business according to the target business type; when it is determined that the target processing postal route supports For the target business, obtain the channel quota control conditions of the target processing postal route; when it is determined that the channel quota control condition is satisfied according to the target processing amount and the target used processing quota, obtain the certificate type supported by the target processing postal route; when the target processing postal route When the supported credential type includes the target credential type, obtain the business recipients supported by the target processing postal route; when the business recipients supported by the target processing postal route include the target business recipient, determine that the target processing postal route is available.

In one of the embodiments, the target used processing quota includes a used daily quota, and the channel limit control condition includes a single-day processing quota; when the processor executes the computer program, the following steps are also implemented: when the target processing amount and the used single-day quota When the sum of is less than the daily processing limit, it is determined that the channel limit control condition is met.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented: acquiring target processing information of a target service and a preset email address corresponding to the target processing information route list; according to the target processing information and the processing state information of each processing route in the preset route list corresponding to the current processing time, determine the target processing route with the highest priority in the preset route list; according to the target processing information, The available status of the target processing postal route is verified; when it is determined that the target processing postal route is available, the target service is processed through the target processing postal route.

In one of the embodiments, the processing status information includes the target channel success rate, target exception failure rate and target response time of each processing postal route; when the computer program is executed by the processor, the following steps are also implemented: according to the target processing information and the preset postal route According to the benchmark processing cost of each processing postal route in the route list, determine the corresponding processing cost information of each processing postal route in the preset postal route list; according to the target channel success rate and benchmark success rate of each processing postal route in the preset postal route list, Obtain the success rate information corresponding to each processing postal route in the preset postal route list; according to the target abnormal failure rate and benchmark abnormal failure rate of each processing postal route list in the preset postal route list, obtain the corresponding processing postal route information in the preset postal route list Corresponding abnormal failure rate information; according to the target response time and reference response time of each processing postal route in the preset postal route list, obtain the processing time-consuming information corresponding to each processing postal route in the preset postal route list; according to the preset postal route list The processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each processing postal route in the list determine the priority of each processing postal route in the preset postal route list; The priority of the postal route is to determine the target processing postal route with the highest priority in the preset postal route list; the target processing postal route is the highest priority processing postal route in the preset postal route list.

In one of the embodiments, when the computer program is executed by the processor, the following steps are also implemented: when it is determined that the target processing postal route is unavailable, select a processing postal route with the next priority from the preset postal route list as the target processing postal route postal route, and perform the step of verifying the available state of the target processing postal route according to the target processing information until it is determined that the target processing postal route is in an available state.

In one of the embodiments, the target channel success rate of each processing mail route includes the channel success rate of at least one preset time period; when the computer program is executed by the processor, the following steps are also implemented: according to each processing mail route in the preset mail route list The channel success rate and the reference success rate of the route in at least one preset period of time are obtained to obtain the success rate information corresponding to each processed mail route in the preset mail route list.

In one of the embodiments, the target processing information includes the target business type of the target business, the target processing amount, the target used processing quota, the target certificate type, and the target business recipient; when the computer program is executed by the processor, the following steps are also implemented: obtaining The business processing time period corresponding to the target processing postal route; when the current processing time is within the business processing time period corresponding to the target processing postal route, determine whether the target processing postal route supports the target business according to the target business type; when determining the target processing postal route When supporting the target business, obtain the channel quota control conditions of the target processing postal route; when it is determined that the channel quota control condition is met according to the target processing amount and the target used processing quota, obtain the certificate type supported by the target processing postal route; when the target processing postal route When the credential type supported by the target credential type includes the target credential type, obtain the business recipients supported by the target processing postal route; when the business recipients supported by the target processing postal route include the target business recipient, determine that the target processing postal route is available.

In one of the embodiments, the target used processing quota includes a used single-day quota, and the channel limit control condition includes a single-day processing quota; when the computer program is executed by the processor, the following steps are also implemented: when the target processing amount and the used single-day When the sum of the quotas is less than the daily processing limit, it is determined that the channel limit control condition is met.

In one embodiment, a computer program product is provided, including a computer program. When the computer program is executed by a processor, the following steps are implemented: obtaining the target processing information of the target business and the preset mailing list corresponding to the target processing information; The target processing information and the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time determine the target processing postal route with the highest priority in the preset postal route list; according to the target processing information, process the target processing postal route Check the available status of the target processing postal route; when it is determined that the target processing postal route is in the available state, process the target business through the target processing postal route.

In one of the embodiments, the processing status information includes the target channel success rate, target exception failure rate and target response time of each processing postal route; when the computer program is executed by the processor, the following steps are also implemented: according to the target processing information and the preset postal route According to the benchmark processing cost of each processing postal route in the route list, determine the corresponding processing cost information of each processing postal route in the preset postal route list; according to the target channel success rate and benchmark success rate of each processing postal route in the preset postal route list, Obtain the success rate information corresponding to each processing postal route in the preset postal route list; according to the target abnormal failure rate and benchmark abnormal failure rate of each processing postal route list in the preset postal route list, obtain the corresponding processing postal route information in the preset postal route list Corresponding abnormal failure rate information; according to the target response time and reference response time of each processing postal route in the preset postal route list, obtain the processing time-consuming information corresponding to each processing postal route in the preset postal route list; according to the preset postal route list The processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each processing postal route in the list determine the priority of each processing postal route in the preset postal route list; The priority of the postal route is to determine the target processing postal route with the highest priority in the preset postal route list; the target processing postal route is the highest priority processing postal route in the preset postal route list.

In one of the embodiments, when the computer program is executed by the processor, the following steps are also implemented: when it is determined that the target processing postal route is unavailable, select a processing postal route with the next priority from the preset postal route list as the target processing postal route postal route, and perform the step of verifying the available state of the target processing postal route according to the target processing information until it is determined that the target processing postal route is in an available state.

In one of the embodiments, the target channel success rate of each processing mail route includes the channel success rate of at least one preset time period; when the computer program is executed by the processor, the following steps are also implemented: according to each processing mail route in the preset mail route list The channel success rate and the reference success rate of the route in at least one preset period of time are obtained to obtain the success rate information corresponding to each processed mail route in the preset mail route list.

In one of the embodiments, the target processing information includes the target business type of the target business, the target processing amount, the target used processing quota, the target certificate type, and the target business recipient; when the computer program is executed by the processor, the following steps are also implemented: obtaining The business processing time period corresponding to the target processing postal route; when the current processing time is within the business processing time period corresponding to the target processing postal route, determine whether the target processing postal route supports the target business according to the target business type; when determining the target processing postal route When supporting the target business, obtain the channel quota control conditions of the target processing postal route; when it is determined that the channel quota control condition is met according to the target processing amount and the target used processing quota, obtain the certificate type supported by the target processing postal route; when the target processing postal route When the credential type supported by the target credential type includes the target credential type, obtain the business recipients supported by the target processing postal route; when the business recipients supported by the target processing postal route include the target business recipient, determine that the target processing postal route is available.

In one of the embodiments, the target used processing quota includes a used single-day quota, and the channel limit control condition includes a single-day processing quota; when the computer program is executed by the processor, the following steps are also implemented: when the target processing amount and the used single-day When the sum of the quotas is less than the daily processing limit, it is determined that the channel limit control condition is met.

It should be noted that the user information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all Information and data authorized by the user or fully authorized by all parties.

Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above-mentioned embodiments can be completed by instructing related hardware through computer programs, and the computer programs can be stored in a non-volatile computer-readable memory In the medium, when the computer program is executed, it may include the processes of the embodiments of the above-mentioned methods. Wherein, any reference to storage, database or other media used in the various embodiments provided in the present application may include at least one of non-volatile and volatile storage. Non-volatile memory can include read-only memory (Read-Only Memory, ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive variable memory (ReRAM), magnetic variable memory (Magnetoresistive Random Access Memory, MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (Phase Change Memory, PCM), graphene memory, etc. The volatile memory may include random access memory (Random Access Memory, RAM) or external cache memory. As an illustration and not a limitation, RAM can be in various forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (Dynamic Random Access Memory, DRAM). The databases involved in the various embodiments provided in this application may include at least one of a relational database and a non-relational database. The non-relational database may include a blockchain-based distributed database, etc., but is not limited thereto. The processors involved in the various embodiments provided by this application can be general-purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, data processing logic devices based on quantum computing, etc., and are not limited to this.

The technical features of the above embodiments can be combined arbitrarily. To make the description concise, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, they should be It is considered to be within the range described in this specification.

The above-mentioned embodiments only express several implementation modes of the present application, and the description thereof is relatively specific and detailed, but should not be construed as limiting the patent scope of the present application. It should be noted that those skilled in the art can make several modifications and improvements without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be determined by the appended claims.

Claims (10)

1. A business processing method, characterized in that the method comprises: Obtaining the target processing information of the target business and the preset postal route list corresponding to the target processing information; According to the target processing information and the processing status information of each processing postal route in the preset postal route list corresponding to the current processing time, determine the target processing postal route with the highest priority in the preset postal route list; Verifying the availability status of the target processing postal route according to the target processing information; When it is determined that the target processing postal route is in an available state, the target service is processed through the target processing postal route. 2. The method according to claim 1, wherein the processing status information includes target channel success rate, target abnormal failure rate and target response time of each of the processing postal routes; The determining the target processing mail route with the highest priority in the preset mail route list according to the target processing information and the processing state information of each processing mail route in the preset mail route list corresponding to the current processing time includes: determining the processing cost information corresponding to each processing mail route in the preset mail route list according to the target processing information and the benchmark processing cost of each processing mail route in the preset mail route list; According to the target channel success rate and the benchmark success rate of each processing postal route in the preset postal route list, obtain the success rate information corresponding to each processing postal route in the preset postal route list; Obtaining abnormal failure rate information corresponding to each processing post in the preset post route list according to the target abnormal failure rate and the reference abnormal failure rate of each processing post in the preset post route list; Obtaining time-consuming processing information corresponding to each processing post in the preset post route list according to the target response time and the reference response time of each processing post in the preset post route list; According to the processing cost information, success rate information, abnormal failure rate information and processing time-consuming information corresponding to each processing postal route in the preset postal route list, determine the priority of each processing postal route in the preset postal route list; Based on the priority of each processing postal route in the preset postal route list, determine the target processing postal route with the highest priority in the preset postal route list. 3. The method according to claim 2, wherein the method further comprises: When it is determined that the target processing postal route is unavailable, select a processing postal route with the next priority from the preset postal route list as the target processing postal route, and perform the processing according to the target processing information. , a step of verifying the availability status of the target processing postal route until it is determined that the target processing postal route is in an available state. 4. The method according to claim 2, characterized in that, the target channel success rate of each of said processing postal routes comprises a channel success rate of at least one preset time period; According to the target channel success rate and the benchmark success rate of each processing post in the preset post route list, obtaining the success rate information corresponding to each processing post in the preset post route list includes: According to the channel success rate of each processing mail route in the preset mail route list in at least one preset time period and the reference success rate, obtain the success rate information corresponding to each processing mail route in the preset mail route list . 5. The method according to claim 1, wherein the target processing information includes the target business type of the target business, the target processing amount, the target used processing amount, the target certificate type, and the target business recipient; The checking the availability status of the target processing postal route according to the target processing information includes: Acquire the business processing time period corresponding to the target processing postal route; When the current processing time is within the service processing time period corresponding to the target processing postal route, determine whether the target processing postal route supports the target service according to the target service type; When it is determined that the target processing postal route supports the target service, acquiring the channel quota control condition of the target processing postal route; When it is determined that the channel quota control condition is satisfied according to the target processing amount and the target used processing amount, obtain the certificate type supported by the target processing postal route; When the credential type supported by the target processing postal route includes the target credential type, acquire the service recipients supported by the target processing postal route; When the service recipients supported by the target processing postal route include the target service recipient, it is determined that the target processing postal route is in an available state. 6. The method according to claim 5, wherein the target used processing quota includes a used single-day quota, and the channel quota control condition includes a single-day processing quota; The determining that the channel limit control condition is met according to the target processing amount and the target used processing amount includes: When the sum of the target processing amount and the used daily quota is less than the single-day processing quota, it is determined that the channel quota control condition is met. 7. A service processing device, characterized in that the device comprises: An acquisition module, configured to acquire the target processing information of the target business and the preset postal route list corresponding to the target processing information; The mail route processing module is configured to determine the target processing mail with the highest priority in the preset mail route list according to the target processing information and the processing state information of each processed mail route in the preset mail route list corresponding to the current processing time. road; A postal route verification module, configured to verify the availability status of the target processing postal route according to the target processing information; A service processing module, configured to process the target service through the target processing postal route when it is determined that the target processing postal route is available. 8. A computer device, comprising a memory and a processor, the memory stores a computer program, wherein the processor implements the method according to any one of claims 1 to 6 when executing the computer program step. 9. A computer-readable storage medium, on which a computer program is stored, wherein when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are realized. 10. A computer program product, comprising a computer program, characterized in that, when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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