Intelligent monitoring method and intelligent monitoring system for payment router of payment system

Abstract

The invention discloses an intelligent monitoring method and an intelligent monitoring system for a payment router of a payment system. The method comprises the following steps for monitoring opened channels: reading payment data of the payment channel in a preset time period and closing an alarm threshold; determining whether each payment channel is abnormal according to a preset payment channel closing principle; for aiming at an abnormal payment channel, triggering alarm and closing the payment channel. The method further comprises the following steps for monitoring the payment channels in a closed state: every preset time interval, reading a list and an opening threshold of the closed payment channels; for the closed payment channels, performing production flow testing, and determining whether the closed payment channel accords with a preset payment channel opening principle; starting the payment channels which satisfy the condition and transmitting reminding information. The intelligent monitoring method and the intelligent monitoring system can find out and process the abnormal state of the payment channel at first time and furthermore close the payment channels with abnormal and low payment success rate, thereby improving payment success rate of the router channels and ensuring high online payment reliability.

Description

technical field [0001] The invention relates to the field of online payment, in particular to a payment route intelligent monitoring method and system of a payment system. Background technique [0002] In the current online payment scenario, different merchants may support different payment methods, including payment methods such as bank channels and third-party channels. Each payment method has multiple banks, and each bank has multiple payment channels. . With the increasing number of merchants, banks, and channels, online business companies have put forward higher and higher requirements for the stability and success rate of online payment, and users have more and more expectations for timely access to relevant product services and payment reliability. higher. [0003] However, the current way of manually maintaining payment routing channels will lead to a lag in the discovery and processing of abnormal payment channels, which will further lead to a decline in the payme...

AI Technical Summary

Problems solved by technology

[0004] The technical problem to be solved by the present invention is to overcome the defects that the payment channel of online payment in the prior art relies on manual maintenance, which leads to a lag in the discovery and processing of abnormal payment channels, and low payment reliability, and proposes a payment system for payment Routing intelligent monitoring method and system

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