A method for ensuring high availability of a system under a cross-border payment multi-channel system

Abstract

This invention discloses a method for ensuring high availability of a cross-border payment multi-channel system, comprising: monitoring network accessibility and application layer accessibility; employing a monitoring scheme that involves multiple monitoring samples and pushing the sampling results into corresponding fixed-length message queues; monitoring the results of normal payment requests at the application layer and performing data cleaning on actual payment requests; conducting corresponding-level monitoring through network accessibility monitoring queues, application service layer heartbeat detection monitoring queues, and payment service payment success rate monitoring queues; adopting different response plans according to different levels of problems; establishing an availability switch for each channel, reducing routing priority to the lowest level, and prioritizing routing to available channels. The payment system can monitor the availability of payment service channels down to the minute level and accurately identify problems in target channels. The payment system adopts different contingency plans according to the problem type to ensure the high availability of the cross-border payment system.

Description

Technical Field

[0001] This invention relates to the field of multi-channel cross-border payments, and more particularly to a method for ensuring the high availability of a multi-channel cross-border payment system. Background Technology

[0002] High availability in existing payment systems typically involves configuring two or more channels to support each payment method. When one channel fails, the traffic for that payment method is switched to another supported channel. However, the availability of a payment channel is generally assessed by monitoring its success rate. After a channel fails, the decline in its success rate takes time to accumulate due to the time window effect, often requiring tens of minutes or even hours to become noticeable. This results in the payment system's processing capacity being affected and its availability reduced during that period.

[0003] The technical problems existing in the prior art include: 1. Poor timeliness in monitoring when channels are unavailable; 2. The reasons for the unavailability of the monitoring channel could not be specifically identified, such as network layer issues or application service layer issues. 3. Insufficient detection capability after channel capability is restored. Summary of the Invention

[0004] In view of the above problems, the present invention is proposed to provide a method for ensuring the high availability of a cross-border payment multi-channel system in order to overcome or at least partially solve the above problems.

[0005] According to one aspect of the present invention, a method for ensuring high availability of a cross-border payment multi-channel system is provided, the high availability method comprising: Monitor network accessibility and application layer accessibility; A monitoring scheme employs multiple monitoring samples and pushes the sampling results into corresponding fixed-length message queues. Monitor the results of normal payment requests at the application layer and perform data cleaning on actual payment requests; Monitoring is conducted at the corresponding levels through network accessibility monitoring queue, application service layer heartbeat detection monitoring queue, and payment service payment success rate monitoring queue. Different response plans should be adopted according to the different levels of problems; Establish an availability switch for each channel, reduce the routing priority to the lowest level, and prioritize routing to available channels.

[0006] Optionally, the monitoring of network accessibility and application layer accessibility specifically includes: systematically subdividing the availability detection of the target channel into network accessibility monitoring and application layer accessibility monitoring, with the application layer further subdivided into monitoring application layer heartbeat detection and monitoring the results of normal payment requests.

[0007] Optionally, the monitoring scheme that employs multiple monitoring samples and pushes the sampling results into corresponding fixed-length message queues specifically includes: Multiple monitoring samples are used to monitor the target service network reachability, application service layer heartbeat detection, and payment service payment success rate. A monitoring scheme that pushes the sampling results into corresponding fixed-length message queues; The availability of the target service is sampled multiple times at fixed time intervals within one minute, and the sampling results are pushed into a message queue. If the number of times the target service is unreachable reaches a threshold, the target service is considered unavailable. Each sampling is considered an independent event, and multiple sampling failures are considered low-probability events. If a low-probability event occurs, it is considered that there is a problem with the availability of the target. A fixed-length message queue is similar to a sliding window, storing the n most recent sampled results and calculating the proportion of anomalies.

[0008] Optionally, the monitoring of the results of normal payment requests at the application layer, specifically including data cleaning of actual payment requests, includes: Monitoring the results of normal payment requests at the application layer; Data cleaning is performed on actual payment requests to eliminate data interference caused by similar requests, ensuring that multiple requests are independent events. Cleaning is performed based on the attributes that uniquely identify a payment service.

[0009] Optionally, the attributes that uniquely identify a payment service include the payment order number, buyer ID, and payment card number.

[0010] Optionally, the network accessibility monitoring queue and the application service layer heartbeat detection monitoring queue do not depend on actual payment transactions and can be sampled periodically. The payment service payment success rate monitoring is sampled and monitored for actual payment transactions. Multiple samples are taken within one minute to monitor network accessibility and application service layer heartbeat detection, reducing the detection efficiency when the target payment service is unavailable to less than one minute.

[0011] Optionally, the adoption of different response plans based on different levels of problems specifically includes: Anomalies in network accessibility monitoring correspond to problems at the network layer of the target payment service. Ensure service availability by switching to a backup network solution; Anomalies in the application service layer heartbeat monitoring and payment service payment success rate monitoring indicate that the target payment service is unavailable. Automatically route payment transactions to the backup payment service to ensure the availability of the overall payment system.

[0012] Optionally, establishing an availability switch for each channel and minimizing routing priority, specifically including prioritizing available channels: In the system configuration, an availability switch is set for each channel. When the monitoring system detects that a channel is unavailable, the switch is turned off. When the payment system selects channels for routing, if it finds that the availability of a certain channel is unavailable, its routing priority is reduced to the lowest level, and available channels are routed first.

[0013] This invention provides a method for ensuring high availability in a multi-channel cross-border payment system. The high availability method includes: monitoring network accessibility and application layer accessibility; employing a monitoring scheme that involves multiple monitoring samples and pushing the sampling results into corresponding fixed-length message queues; monitoring the results of normal payment requests at the application layer and performing data cleaning on actual payment requests; conducting corresponding-level monitoring through network accessibility monitoring queues, application service layer heartbeat detection monitoring queues, and payment service payment success rate monitoring queues; adopting different response plans based on different levels of problems; establishing an availability switch for each channel, reducing routing priority to the lowest level, and prioritizing routing to available channels. The payment system can monitor the availability of payment service channels down to the minute level and accurately identify problems in target channels. The payment system adopts different contingency plans based on the problem type to ensure the high availability of the cross-border payment system.

[0014] The above description is merely an overview of the technical solution of the present invention. In order to better understand the technical means of the present invention and to implement it in accordance with the contents of the specification, and in order to make the above and other objects, features and advantages of the present invention more apparent and understandable, specific embodiments of the present invention are described below. Attached Figure Description

[0015] To more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the following description of the embodiments will be briefly introduced. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0016] Figure 1 This is a flowchart illustrating a method for ensuring high availability of a cross-border payment multi-channel system, as provided in an embodiment of the present invention. Detailed Implementation

[0017] Exemplary embodiments of the present disclosure will now be described in more detail with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be implemented in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

[0018] The terms "comprising" and "having," and any variations thereof, in the specification, embodiments, claims, and drawings of this invention are intended to cover non-exclusive inclusion, such as including a series of steps or units.

[0019] The technical solution of the present invention will be further described in detail below with reference to the accompanying drawings and embodiments.

[0020] like Figure 1 As shown, a method for ensuring high availability of a cross-border payment multi-channel system is provided, the high availability method comprising: Monitor network accessibility and application layer accessibility; A monitoring scheme employs multiple monitoring samples and pushes the sampling results into corresponding fixed-length message queues. Monitor the results of normal payment requests at the application layer and perform data cleaning on actual payment requests; Monitoring is conducted at the corresponding levels through network accessibility monitoring queue, application service layer heartbeat detection monitoring queue, and payment service payment success rate monitoring queue. Different response plans should be adopted according to the different levels of problems; Establish an availability switch for each channel, reduce the routing priority to the lowest level, and prioritize routing to available channels.

[0021] The availability detection of the target channel is systematically subdivided into network accessibility monitoring and application layer accessibility monitoring. The application layer is further subdivided into application layer heartbeat detection and monitoring of the results of normal payment requests.

[0022] To address the sensitivity of the detection process while preventing false alarms caused by accidental network or application disturbances, a monitoring scheme is employed for monitoring the network reachability of the target service, application service layer heartbeat detection, and payment service payment success rate. This scheme involves multiple monitoring samples taken within a certain time interval, with the sampling results pushed into corresponding fixed-length message queues. Specifically, the availability of the target service is sampled multiple times at fixed time intervals within a short period (e.g., one minute) (e.g., 20 times), and the sampling results are pushed into the message queue. If the number of times the target service is unreachable reaches a certain threshold (e.g., 10 times), the target service is considered unavailable. Because each sampling is an independent event, multiple sampling failures are low-probability events; the occurrence of a low-probability event indicates a problem with the target service's availability.

[0023] A fixed-length message queue is similar to a sliding window. The queue only needs to store the most recent n sample results, which effectively reduces the storage space requirement and can quickly calculate the proportion of anomalies, greatly reducing the space and time complexity of program judgment.

[0024] Monitoring the results of normal payment requests at the application layer requires data cleaning of the actual payment requests to eliminate data interference caused by similar requests, ensuring that multiple requests are independent events. For example, multiple retries by a customer should be cleaned into a single payment request; otherwise, multiple failed payment retries by a single customer might trigger false alarms indicating that the target payment service is unavailable. In practice, cleaning can be performed based on attributes that uniquely identify a payment service, such as the payment order number, buyer ID, or payment card number, rather than simply sampling the payment transaction number.

[0025] Monitoring is conducted at corresponding levels through network accessibility monitoring queues, application service layer heartbeat detection monitoring queues, and payment service payment success rate monitoring queues. The network accessibility monitoring queue and application service layer heartbeat detection monitoring queue do not rely on actual payment transactions and can be sampled periodically. Payment service payment success rate monitoring, however, samples and monitors actual payment transactions. By performing multiple samples within one minute for network accessibility monitoring and application service layer heartbeat detection monitoring, the detection efficiency when the target payment service is unavailable can be reduced to less than one minute.

[0026] Different response plans are used for problems at different levels: If network accessibility monitoring shows anomalies, it indicates a problem at the network layer of the target payment service. Service availability can be ensured by switching to a backup network solution. If application service layer heartbeat monitoring or payment service payment success rate monitoring shows anomalies, it indicates that the target payment service is unavailable. Payment transactions can be automatically routed to a backup payment service to ensure the availability of the overall payment system.

[0027] In the system configuration, an availability switch is set for each channel. When the monitoring system detects that a channel is unavailable, the switch is turned off. When the payment system selects channels for routing, if it finds that the availability of a certain channel is unavailable, its routing priority is reduced to the lowest level, and available channels are routed first.

[0028] Beneficial effects: By adopting this technical solution, the monitoring time for payment service channel availability can be reduced to the minute level, and problems with target channels can be accurately identified. The payment system can then employ different contingency plans based on the type of problem, thereby ensuring the high availability of the cross-border payment system. The time required to respond to target channel unavailability is reduced from hours to minutes.

[0029] The above specific embodiments further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above are merely specific embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for ensuring high availability of a cross-border payment multi-channel system, characterized in that, The high availability methods include: Monitor network accessibility and application layer accessibility; A monitoring scheme employs multiple monitoring samples and pushes the sampling results into corresponding fixed-length message queues. Monitor the results of normal payment requests at the application layer and perform data cleaning on actual payment requests; Monitoring is conducted at the corresponding levels through network accessibility monitoring queue, application service layer heartbeat detection monitoring queue, and payment service payment success rate monitoring queue. Different response plans should be adopted according to the different levels of problems; Establish an availability switch for each channel, reduce the routing priority to the lowest level, and prioritize routing to available channels.

2. The method for ensuring high availability of a cross-border payment multi-channel system according to claim 1, characterized in that, The monitoring of network accessibility and application layer accessibility specifically includes: systematically subdividing the availability detection of the target channel into network accessibility monitoring and application layer accessibility monitoring, with the application layer further subdivided into monitoring application layer heartbeat detection and monitoring normal payment requests.

3. The method for ensuring high availability of a cross-border payment multi-channel system according to claim 1, characterized in that, The monitoring scheme, which employs multiple monitoring samples and pushes the sampling results into corresponding fixed-length message queues, specifically includes: Multiple monitoring samples are used to monitor the target service network reachability, application service layer heartbeat detection, and payment service payment success rate. A monitoring scheme that pushes the sampling results into corresponding fixed-length message queues; The availability of the target service is sampled multiple times at fixed time intervals within one minute, and the sampling results are pushed into a message queue. If the number of times the target service is unreachable reaches a threshold, the target service is considered unavailable. Each sampling is considered an independent event, and multiple sampling failures are considered low-probability events. If a low-probability event occurs, it is considered that there is a problem with the availability of the target. A fixed-length message queue is similar to a sliding window, storing the n most recent sampled results and calculating the proportion of anomalies.

4. The method for ensuring high availability of a cross-border payment multi-channel system according to claim 1, characterized in that, The monitoring of results for normal payment requests at the application layer, specifically including data cleaning of actual payment requests, includes: Monitoring the results of normal payment requests at the application layer; Data cleaning is performed on actual payment requests to eliminate data interference caused by similar requests, ensuring that multiple requests are independent events. Cleaning is performed based on the attributes that uniquely identify a payment service.

5. The method for ensuring high availability of a cross-border payment multi-channel system according to claim 4, characterized in that, The attributes that uniquely identify a payment service include the payment order number, buyer ID, and payment card number.

6. The method for ensuring high availability of a cross-border payment multi-channel system according to claim 1, characterized in that, The network accessibility monitoring queue and the application service layer heartbeat detection monitoring queue do not depend on actual payment transactions and can be sampled periodically. The payment service payment success rate monitoring is based on sampling and monitoring of actual payment transactions. Multiple samples are taken within one minute to monitor network accessibility and application service layer heartbeat detection, reducing the detection efficiency when the target payment service is unavailable to less than one minute.

7. The method for ensuring high availability of a cross-border payment multi-channel system according to claim 1, characterized in that, The specific provisions for adopting different response plans based on different levels of problems include: Anomalies in network accessibility monitoring correspond to problems at the network layer of the target payment service. Ensure service availability by switching to a backup network solution; Anomalies in the application service layer heartbeat monitoring and payment service payment success rate monitoring indicate that the target payment service is unavailable. Automatically route payment transactions to the backup payment service to ensure the availability of the overall payment system.

8. The method for ensuring high availability of a cross-border payment multi-channel system according to claim 1, characterized in that, The establishment of an availability switch for each channel and the reduction of routing priority to the lowest level, specifically including prioritizing routing to available channels, include: In the system configuration, an availability switch is set for each channel. When the monitoring system detects that a channel is unavailable, the switch is turned off. When the payment system selects channels for routing, if it finds that the availability of a certain channel is unavailable, the routing priority is reduced to the lowest level, and available channels are routed first.

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