CN117522396A

CN117522396A - Payment channel configuration method, device, equipment and medium

Info

Publication number: CN117522396A
Application number: CN202311566856.0A
Authority: CN
Inventors: 李修宽
Original assignee: Beijing Gaohuitong Business Management Co ltd
Current assignee: Beijing Gaohuitong Business Management Co ltd
Priority date: 2023-11-22
Filing date: 2023-11-22
Publication date: 2024-02-06

Abstract

The invention relates to the technical field of Internet, and provides a payment channel configuration method, device, equipment and medium, which can utilize a channel routing component to select target channels from a payment channel pool according to an order to be processed, on one hand, the method is used for uniformly managing all payment channels based on the payment channel pool, and on the other hand, the method can reasonably select the target channels from the payment channel pool according to multiple dimensions of the order to be processed; further, a channel communication component is utilized to generate a request message based on a target channel, and communication is initiated to the target channel according to the request message, so that communication is carried out with different payment channels based on a unified channel communication component, unified communication service is provided, and the communication complexity of an external payment channel is shielded; and further recording the fed-back payment processing result for subsequent data tracing.

Description

Payment channel configuration method, device, equipment and medium

Technical Field

The present invention relates to the field of internet technologies, and in particular, to a payment channel configuration method, device, equipment, and medium.

Background

In the payment field, the traditional payment channel system is old, and after long-time iterative updating of services and technologies, the system structure, code design and the like become more complex, so that the maintenance cost is continuously increased.

Specifically, the conventional payment channel system mainly has the following problems:

(1) The expansion capability of the channel routing aspect is not perfect, and the expansion capability comprises the expansion of a channel model and the expansion of a routing rule. For example: the routing strategy of rate priority cannot be directly supported, and the scheme of dynamically combining the existing channel model and the rate model to perform routing cannot be supported.

(2) The implementation, combination and execution sequence of the channel routing rules are all hard coded in codes, which has great influence on the efficiency of the subsequent channel routing rule change, the control of risks, the control of time cost and the like.

(3) The channel routing process is not subjected to unified abstraction, concepts are more dispersed, and particularly, the channel routing process is in a co-building scene, so that the familiarity cost of research personnel is high, and the research personnel is difficult to get up.

(4) Channel routing rules and configuration lack unified management mechanisms, visual configuration capability is not supported, and maintenance cost is high.

In view of the above, a new payment channel configuration method is needed.

Disclosure of Invention

In view of the foregoing, it is necessary to provide a payment channel configuration method, device, apparatus and medium, which aims to solve the problems of poor compatibility and low stability of the payment channel.

A payment channel configuration method, the payment channel configuration method comprising:

responding to a payment request initiated by an upstream application, and analyzing the payment request to obtain a pending order;

acquiring a pre-constructed payment channel pool, and selecting a target channel from the payment channel pool by utilizing a channel routing component according to the to-be-processed order;

generating a request message based on the target channel by utilizing a channel communication component, and initiating communication to the target channel according to the request message;

and when receiving the payment processing result fed back by the target channel, recording the payment processing result.

According to the preferred embodiment of the invention, the channel routing component is constructed based on a microkernel architecture and supports dynamic chained routing rule combination and dynamic execution of a Groovy script; the channel communication component is constructed based on a microkernel architecture, supports a communication message processor in a responsibility chain mode and dynamic execution of a Groovy script.

According to a preferred embodiment of the present invention, the routing rule integrated by the channel routing component includes: standard routing rules, groovy routing rules, and expression routing rules;

the standard routing rule is a routing rule which is realized in a code in advance, and the standard routing rule carries out modification operation and new addition operation in a release mode;

the Groovy routing rule is implemented based on a Groovy script, and the Groovy routing rule carries out the modification operation and the new operation in a dynamic mode and does not depend on the release mode;

the expression routing rule is realized based on an expression engine, supports dynamic expression configuration and is independent of the release mode.

According to a preferred embodiment of the present invention, the selecting, by the channel routing component, a target channel from the payment channel pool according to the pending order comprises:

acquiring the payment cost and availability of each payment channel in the payment channel pool;

screening the payment channel pool for the first time according to the payment cost and the availability of each payment channel to obtain a first candidate channel set;

acquiring merchant component feeding data corresponding to the order to be processed and a percentage cut flow strategy;

and carrying out secondary screening on the first candidate channel set according to the merchant feed data and the percentage cut strategy to obtain the target channel.

According to a preferred embodiment of the present invention, the generating, by the channel communication component, a request message based on the target channel, and initiating communication to the target channel according to the request message includes:

acquiring a communication protocol corresponding to the target channel as a target protocol;

generating the request message based on the to-be-processed order according to the target protocol;

and calling a standard service interface for providing services to the outside, and transmitting the request message to the target channel based on the standard service interface.

According to a preferred embodiment of the present invention, the recording the payment processing result includes:

and recording stream data in the payment processing result and the route information of the target channel.

According to a preferred embodiment of the invention, the method further comprises:

and visually displaying the processing process of the channel routing component.

A payment channel configuration device, the payment channel configuration device comprising:

the analyzing unit is used for responding to a payment request initiated by an upstream application and analyzing the payment request to obtain a pending order;

a selecting unit, configured to obtain a payment channel pool constructed in advance, and select a target channel from the payment channel pool according to the to-be-processed order by using a channel routing component;

the communication unit is used for generating a request message based on the target channel by utilizing a channel communication component and initiating communication to the target channel according to the request message;

and the recording unit is used for recording the payment processing result when receiving the payment processing result fed back by the target channel.

A computer device, the computer device comprising:

a memory storing at least one instruction; and

And the processor executes the instructions stored in the memory to realize the payment channel configuration method.

A computer-readable storage medium having stored therein at least one instruction for execution by a processor in a computer device to implement the payment channel configuration method.

According to the technical scheme, the target channel can be selected from the payment channel pool by utilizing the channel routing component according to the order to be processed, so that on one hand, all payment channels are uniformly managed based on the payment channel pool, and on the other hand, the target channel can be reasonably selected from the payment channel pool according to a plurality of dimensions of the order to be processed; further, a channel communication component is utilized to generate a request message based on a target channel, and communication is initiated to the target channel according to the request message, so that communication is carried out with different payment channels based on a unified channel communication component, unified communication service is provided, and the communication complexity of an external payment channel is shielded; and further recording the fed-back payment processing result for subsequent data tracing.

Drawings

FIG. 1 is a flow chart of a preferred embodiment of the payment channel configuration method of the present invention.

FIG. 2 is a functional block diagram of a preferred embodiment of the payment channel arrangement device of the present invention.

Fig. 3 is a schematic structural diagram of a computer device for implementing a preferred embodiment of the payment channel configuration method of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in detail with reference to the accompanying drawings and specific embodiments.

FIG. 1 is a flow chart of a preferred embodiment of the payment channel configuration method of the present invention. The order of the steps in the flowchart may be changed and some steps may be omitted according to various needs.

The payment channel configuration method is applied to one or more computer devices, wherein the computer device is a device capable of automatically performing numerical calculation and/or information processing according to preset or stored instructions, and the hardware of the computer device comprises a microprocessor, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), a programmable gate array (Field-Programmable Gate Array, FPGA), a digital processor (Digital Signal Processor, DSP), an embedded device and the like.

The computer device may be any electronic product that can interact with a user in a human-computer manner, such as a personal computer, tablet computer, smart phone, personal digital assistant (Personal Digital Assistant, PDA), game console, interactive internet protocol television (Internet Protocol Television, IPTV), smart wearable device, etc.

The computer device may also include a network device and/or a user device. Wherein the network device includes, but is not limited to, a single network server, a server group composed of a plurality of network servers, or a Cloud based Cloud Computing (Cloud Computing) composed of a large number of hosts or network servers.

The server may be an independent server, or may be a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and basic cloud computing services such as big data and artificial intelligence platforms.

Among these, artificial intelligence (Artificial Intelligence, AI) is the theory, method, technique and application system that uses a digital computer or a digital computer-controlled machine to simulate, extend and extend human intelligence, sense the environment, acquire knowledge and use knowledge to obtain optimal results.

Artificial intelligence infrastructure technologies generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technologies, operation/interaction systems, mechatronics, and the like. The artificial intelligence software technology mainly comprises a computer vision technology, a robot technology, a biological recognition technology, a voice processing technology, a natural language processing technology, machine learning/deep learning and other directions.

The network in which the computer device is located includes, but is not limited to, the internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (Virtual Private Network, VPN), and the like.

S10, responding to a payment request initiated by an upstream application, and analyzing the payment request to obtain a pending order.

The upstream application may be an application program having a shopping function or the like.

In this embodiment, the parsing the payment request to obtain the pending order includes:

analyzing the payment request to obtain data carried by the payment request;

and acquiring the order to be processed from the data carried by the payment request.

Wherein, the order to be processed can be a shopping order to be paid, etc.

S11, acquiring a pre-constructed payment channel pool, and selecting a target channel from the payment channel pool by utilizing a channel routing component according to the pending order.

In this embodiment, the payment channel pool is used to uniformly store and manage all payment channels, so as to facilitate channel expansion.

In this embodiment, the selecting, by the channel routing component, a target channel from the payment channel pool according to the pending order includes:

For example: the first candidate channel set can be constructed by screening available payment channels with the payment cost smaller than or equal to the configuration cost from the payment channel pool; and further screening channels meeting the merchant feed data and the percentage cut flow strategy from the first candidate channel set to obtain the target channel.

The percentage cut strategy is to configure the maximum processable data amount of each payment channel and select the payment channel according to the maximum processable data amount of each payment channel.

Further, after the secondary screening is performed, if the number of obtained payment channels is plural, the target channel may be further obtained by randomly obtaining or performing a third screening according to the use priority of each payment channel.

Through the embodiment, the payment channels can be comprehensively screened based on multiple dimensions, so that the finally screened target channels are more reasonable, and better payment service can be provided.

S12, generating a request message based on the target channel by utilizing a channel communication component, and initiating communication to the target channel according to the request message.

In this embodiment, the channel routing component is constructed based on a microkernel architecture, and supports dynamic chained routing rule combinations and dynamic execution of a Groovy script; the channel communication component is constructed based on a microkernel architecture, supports a communication message processor in a responsibility chain mode and dynamic execution of a Groovy script.

Different from the hard coding mode in the traditional mode for realizing channel routing control, the channel routing component is adopted in the embodiment, so that the channel routing rule is more convenient to add and change, and the expandability is stronger.

In this embodiment, the routing rule integrated by the channel routing component includes: standard routing rules, groovy routing rules, and expression routing rules;

Through the configuration, the channel routing component supports various routing rules at the same time, and the channel routing component has stronger practicability.

In the embodiment, the channel routing component performs unified abstraction on the channel routing function, and the channel communication component performs unified abstraction on the channel communication function, so that the research and development cost and the maintenance cost are effectively reduced, and the configurable type is stronger.

In this embodiment, the generating, by the channel communication component, a request message based on the target channel, and initiating communication to the target channel according to the request message includes:

Specifically, the channel communication component integrates a plurality of different communication protocols, and is further compatible with different payment channels.

Specifically, through the standard service interface, unified interface service can be provided outwards, so that the interface is more standard.

In this embodiment, when a new service needs to be docked, the mapping conversion process from the new service to the channel communication component may be encapsulated into an SDK (Software Development Kit ), and the SDK may be sent to the upstream application for installation, so that the adaptation with the new service may be completed at the calling end.

And S13, when receiving the payment processing result fed back by the target channel, recording the payment processing result.

In this embodiment, the recording the payment processing result includes:

Wherein the streaming data may include payment, refund, etc. data.

In this embodiment, the method further includes:

The processing process of the channel routing component is visually displayed, so that the relevant configuration process of the channel routing component can be more intuitively displayed, and the configuration and maintenance efficiency of the routing rule can be improved.

FIG. 2 is a functional block diagram of a preferred embodiment of the payment channel arrangement device of the present invention. The payment channel arrangement device 11 includes an analysis unit 110, a selection unit 111, a communication unit 112, and a recording unit 113. The module/unit referred to in the present invention refers to a series of computer program segments, which are stored in a memory, capable of being executed by a processor and of performing a fixed function. In the present embodiment, the functions of the respective modules/units will be described in detail in the following embodiments.

The parsing unit 110 is configured to parse the payment request to obtain a pending order in response to a payment request initiated by an upstream application;

the selecting unit 111 is configured to obtain a payment channel pool that is built in advance, and select a target channel from the payment channel pool according to the to-be-processed order by using a channel routing component;

the communication unit 112 is configured to generate a request message based on the target channel by using a channel communication component, and initiate communication to the target channel according to the request message;

the recording unit 113 is configured to record a payment processing result fed back by the target channel when the payment processing result is received.

Fig. 3 is a schematic structural diagram of a computer device according to a preferred embodiment of the present invention for implementing a payment channel configuration method.

The computer device 1 may comprise a memory 12, a processor 13 and a bus, and may further comprise a computer program, such as a payment channel configuration program, stored in the memory 12 and executable on the processor 13.

It will be appreciated by those skilled in the art that the schematic diagram is merely an example of the computer device 1 and does not constitute a limitation of the computer device 1, the computer device 1 may be a bus type structure, a star type structure, the computer device 1 may further comprise more or less other hardware or software than illustrated, or a different arrangement of components, for example, the computer device 1 may further comprise an input-output device, a network access device, etc.

It should be noted that the computer device 1 is only used as an example, and other electronic products that may be present in the present invention or may be present in the future are also included in the scope of the present invention by way of reference.

The memory 12 includes at least one type of readable storage medium including flash memory, a removable hard disk, a multimedia card, a card memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, etc. The memory 12 may in some embodiments be an internal storage unit of the computer device 1, such as a removable hard disk of the computer device 1. The memory 12 may in other embodiments also be an external storage device of the computer device 1, such as a plug-in mobile hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like, which are provided on the computer device 1. Further, the memory 12 may also include both an internal storage unit and an external storage device of the computer device 1. The memory 12 may be used not only for storing application software installed in the computer device 1 and various types of data, such as codes of payment channel configuration programs, etc., but also for temporarily storing data that has been output or is to be output.

The processor 13 may be comprised of integrated circuits in some embodiments, for example, a single packaged integrated circuit, or may be comprised of multiple integrated circuits packaged with the same or different functions, including one or more central processing units (Central Processing unit, CPU), microprocessors, digital processing chips, graphics processors, a combination of various control chips, and the like. The processor 13 is a Control Unit (Control Unit) of the computer device 1, connects the respective components of the entire computer device 1 using various interfaces and lines, executes or executes programs or modules stored in the memory 12 (for example, executes a payment channel configuration program or the like), and invokes data stored in the memory 12 to perform various functions of the computer device 1 and process data.

The processor 13 executes the operating system of the computer device 1 and various types of applications installed. The processor 13 executes the application program to implement the steps of the various payment channel configuration method embodiments described above, such as the steps shown in fig. 1.

Illustratively, the computer program may be partitioned into one or more modules/units that are stored in the memory 12 and executed by the processor 13 to complete the present invention. The one or more modules/units may be a series of computer readable instruction segments capable of performing the specified functions, which instruction segments describe the execution of the computer program in the computer device 1. For example, the computer program may be divided into a parsing unit 110, a selecting unit 111, a communication unit 112, a recording unit 113.

The integrated units implemented in the form of software functional modules described above may be stored in a computer readable storage medium. The software functional module is stored in a storage medium, and includes several instructions for causing a computer device (which may be a personal computer, a computer device, or a network device, etc.) or a processor (processor) to execute portions of the payment channel configuration method according to the embodiments of the present invention.

The modules/units integrated in the computer device 1 may be stored in a computer readable storage medium if implemented in the form of software functional units and sold or used as separate products. Based on this understanding, the present invention may also be implemented by a computer program for instructing a relevant hardware device to implement all or part of the procedures of the above-mentioned embodiment method, where the computer program may be stored in a computer readable storage medium and the computer program may be executed by a processor to implement the steps of each of the above-mentioned method embodiments.

Wherein the computer program comprises computer program code which may be in source code form, object code form, executable file or some intermediate form etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory, or the like.

Further, the computer-readable storage medium may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created from the use of blockchain nodes, and the like.

The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and the like. The Blockchain (Blockchain), which is essentially a decentralised database, is a string of data blocks that are generated by cryptographic means in association, each data block containing a batch of information of network transactions for verifying the validity of the information (anti-counterfeiting) and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, an application services layer, and the like.

The bus may be a peripheral component interconnect standard (peripheral component interconnect, PCI) bus or an extended industry standard architecture (extended industry standard architecture, EISA) bus, among others. The bus may be classified as an address bus, a data bus, a control bus, etc. For ease of illustration, only one straight line is shown in fig. 3, but not only one bus or one type of bus. The bus is arranged to enable a connection communication between the memory 12 and at least one processor 13 or the like.

Although not shown, the computer device 1 may further comprise a power source (such as a battery) for powering the various components, preferably the power source may be logically connected to the at least one processor 13 via a power management means, whereby the functions of charge management, discharge management, and power consumption management are achieved by the power management means. The power supply may also include one or more of any of a direct current or alternating current power supply, recharging device, power failure detection circuit, power converter or inverter, power status indicator, etc. The computer device 1 may further include various sensors, bluetooth modules, wi-Fi modules, etc., which will not be described in detail herein.

Further, the computer device 1 may also comprise a network interface, optionally comprising a wired interface and/or a wireless interface (e.g. WI-FI interface, bluetooth interface, etc.), typically used for establishing a communication connection between the computer device 1 and other computer devices.

The computer device 1 may optionally further comprise a user interface, which may be a Display, an input unit, such as a Keyboard (Keyboard), or a standard wired interface, a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch, or the like. The display may also be referred to as a display screen or display unit, as appropriate, for displaying information processed in the computer device 1 and for displaying a visual user interface.

It should be understood that the embodiments described are for illustrative purposes only and are not limited to this configuration in the scope of the patent application.

Fig. 3 shows only a computer device 1 with components 12-13, it being understood by those skilled in the art that the structure shown in fig. 3 is not limiting of the computer device 1 and may include fewer or more components than shown, or may combine certain components, or a different arrangement of components.

In connection with fig. 1, the memory 12 in the computer device 1 stores a plurality of instructions to implement a payment channel configuration method, the processor 13 being executable to implement:

Specifically, the specific implementation method of the above instructions by the processor 13 may refer to the description of the relevant steps in the corresponding embodiment of fig. 1, which is not repeated herein.

The data in this case were obtained legally.

In the several embodiments provided in the present invention, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is merely a logical function division, and there may be other manners of division when actually implemented.

The invention is operational with numerous general purpose or special purpose computer system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. The invention may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, may be located in one place, or may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional module in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units can be realized in a form of hardware or a form of hardware and a form of software functional modules.

It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference signs in the claims shall not be construed as limiting the claim concerned.

Furthermore, it is evident that the word "comprising" does not exclude other elements or steps, and that the singular does not exclude a plurality. The units or means stated in the invention may also be implemented by one unit or means, either by software or hardware. The terms first, second, etc. are used to denote a name, but not any particular order.

Finally, it should be noted that the above-mentioned embodiments are merely for illustrating the technical solution of the present invention and not for limiting the same, and although the present invention has been described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications and equivalents may be made to the technical solution of the present invention without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. A payment channel configuration method, characterized in that the payment channel configuration method comprises:

2. The payment channel configuration method of claim 1, wherein the channel routing component is built based on a microkernel architecture supporting dynamic chained routing rule combinations and dynamic execution of a Groovy script; the channel communication component is constructed based on a microkernel architecture, supports a communication message processor in a responsibility chain mode and dynamic execution of a Groovy script.

3. The payment channel configuration method of claim 1, wherein the channel routing component integrated routing rules comprise: standard routing rules, groovy routing rules, and expression routing rules;

4. The payment channel configuration method of claim 1, wherein the selecting, with the channel routing component, a target channel from the payment channel pool according to the pending order comprises:

5. The payment channel configuration method of claim 1, wherein the utilizing the channel communication component to generate a request message based on the target channel and to initiate communication to the target channel in accordance with the request message comprises:

6. The payment channel configuration method of claim 1, wherein the recording the payment processing results comprises:

7. The payment channel configuration method of claim 1, wherein the method further comprises:

8. A payment channel configuration device, characterized in that the payment channel configuration device comprises:

9. A computer device, the computer device comprising:

a memory storing at least one instruction; and

A processor executing instructions stored in the memory to implement the payment channel configuration method of any one of claims 1 to 7.

10. A computer-readable storage medium, characterized by: the computer-readable storage medium having stored therein at least one instruction for execution by a processor in a computer device to implement the payment channel configuration method of any of claims 1 to 7.