Business diversion method, system, device and storage medium of bank payment system

Abstract

The embodiment of the present invention provides a business diversion method, system, device and storage medium of a bank payment system, wherein the method comprises: obtaining transaction data of a target business, performing initial diversion preprocessing on the transaction serial number according to a first preset diversion rule, and performing initial diversion operation on the transaction data according to the initial diversion preprocessing result, performing message preprocessing on the transaction message after the initial diversion operation, obtaining a transaction diversion identifier, performing final diversion preprocessing on the transaction diversion identifier according to a second preset diversion rule, and performing final diversion operation on the transaction data according to the final diversion preprocessing result, so that the target business is executed. The present invention improves the operating efficiency of the bank payment system in processing transaction business under high concurrency conditions.

Description

Technical Field

[0001] The present invention relates to the field of bank business diversion, and in particular to a business diversion method, system, device and storage medium of a bank payment system. Background Art

[0002] The transaction information of third-party payment institutions is connected to the quick payment system of banks through the transfer structure. With the rapid development of online shopping, the transaction volume to be processed by the quick payment system is also increasing day by day. This requires the quick payment system to maintain the operating efficiency and reliability under high concurrency conditions.

[0003] The existing technology is mainly based on the idea of ​​sharding databases and tables. By building a database cluster consisting of multiple database instances, transaction data is stored in corresponding databases according to transaction types. However, due to the cross-database transaction operation problems caused by sharding databases and tables, the operating efficiency of the system in processing transaction business is reduced when the quick payment system is in a high-concurrency working condition. Summary of the invention

[0004] The purpose of the embodiments of the present invention is to provide a method, system, device and storage medium for business diversion of a bank payment system, so as to achieve the purpose of the invention of improving the efficiency of bank payment system in processing transaction business. The specific technical solution is as follows:

[0005] A business diversion method for a bank payment system, the method comprising:

[0006] Obtain transaction data of the target business, wherein the transaction data includes a transaction serial number and a transaction message.

[0007] According to the first preset diversion rule, the transaction serial number is initially diverted and preprocessed, and according to the initial diversion preprocessing result, the transaction data is initially diverted and preprocessed.

[0008] The transaction message that has undergone the initial diversion operation is subjected to message preprocessing to obtain a transaction diversion identifier.

[0009] According to the second preset diversion rule, the transaction diversion identifier is subjected to final diversion preprocessing, and according to the final diversion preprocessing result, the transaction data is subjected to final diversion operation so that the target business is executed.

[0010] Optionally, performing initial diversion preprocessing on the transaction serial number according to a first preset diversion rule, and performing initial diversion operation on the transaction data according to the initial diversion preprocessing result, includes:

[0011] According to the first preset diversion rule, the transaction serial number is mapped into a diversion parameter of preset digits, and a target preprocessing cluster identification group matching the diversion parameter is determined.

[0012] According to the target preprocessing server identifier in the target preprocessing cluster identifier group, the transaction data is sent to the target preprocessing server corresponding to the target preprocessing server identifier.

[0013] Optionally, the performing message preprocessing on the transaction message that has undergone the initial diversion operation to obtain a transaction diversion identifier further includes:

[0014] The target preprocessing server sends the transaction diversion identifier and the transaction serial number to a preset remote dictionary service cluster and a target database shard for storage, wherein there is a one-to-one correspondence between the target database shard and the target preprocessing server, and there is a corresponding relationship between the transaction diversion identifier and the transaction serial number.

[0015] Optionally, the target service consists of a quick transaction service, a contract signing service and an inquiry service. When the target service is the payment transaction service, performing final diversion preprocessing on the transaction diversion identifier according to a second preset diversion rule, and performing final diversion operation on the transaction data according to the final diversion preprocessing result so that the target service is executed, including:

[0016] In the case where the target service is the quick transaction service, the transaction diversion identifier is the preset card number digits of the contract agreement number.

[0017] According to the second preset diversion rule, a first target service processing cluster identifier group matching the preset card number digits of the contract agreement number is determined.

[0018] According to the first target service server identifier in the first target service processing cluster identifier group, the transaction data is sent to a first target service server matching the first target service server identifier, so that the first target service server executes the quick transaction service.

[0019] Optionally, when the target service is the contracted service, the method further includes:

[0020] In the case where the target service is the contracted service, the transaction diversion identifier is a preset number of digits of a bank card number.

[0021] According to the second preset diversion rule, a second target business processing cluster identifier group matching a preset number of card number digits of the bank card number is determined.

[0022] According to the second target service server identifier in the second target service processing cluster identifier group, the transaction data is sent to a second target service server matching the second target service server identifier, so that the second target service server executes the contracted service.

[0023] Optionally, when the target service is the query service, the method further includes:

[0024] According to the transaction serial number of the query service, the transaction diversion identifier matching the transaction serial number is obtained from the preset remote dictionary service cluster or the target database shard.

[0025] According to the second preset diversion rule, a third target business processing cluster identifier group matching the transaction diversion identifier is determined.

[0026] According to the third target service server identifier in the third target service processing cluster identifier group, the transaction data is sent to a third target service server matching the third target service server identifier, so that the third target service server executes the query service.

[0027] A business diversion system for a bank payment system, the system comprising:

[0028] The first business diversion module is used to obtain transaction data of a target business, wherein the transaction data includes a transaction serial number and a transaction message, perform initial diversion preprocessing on the transaction serial number according to a first preset diversion rule, and perform initial diversion operation on the transaction data according to the initial diversion preprocessing result.

[0029] The message preprocessing module is used to perform message preprocessing on the transaction message that has undergone the initial diversion operation to obtain a transaction diversion identifier.

[0030] The second business diversion module is used to perform final diversion preprocessing on the transaction diversion identifier according to a second preset diversion rule, and perform final diversion operation on the transaction data according to the final diversion preprocessing result so that the target business is executed.

[0031] Optionally, the first service diversion module is configured to:

[0032] According to the first preset diversion rule, the transaction serial number is mapped into a diversion parameter of preset digits, and a target preprocessing cluster identification group matching the diversion parameter is determined.

[0033] According to the target preprocessing server identifier in the target preprocessing cluster identifier group, the transaction data is sent to the target preprocessing server corresponding to the target preprocessing server identifier.

[0034] Optionally, the message preprocessing module is further configured to:

[0035] The target preprocessing server sends the transaction diversion identifier and the transaction serial number to a preset remote dictionary service cluster and a target database shard for storage, wherein there is a one-to-one correspondence between the target database shard and the target preprocessing server, and there is a corresponding relationship between the transaction diversion identifier and the transaction serial number.

[0036] Optionally, the second service diversion module is configured to:

[0037] In the case where the target service is the quick transaction service, the transaction diversion identifier is the preset card number digits of the contract agreement number.

[0038] According to the second preset diversion rule, a first target service processing cluster identifier group matching the preset card number digits of the contract agreement number is determined.

[0039] According to the first target service server identifier in the first target service processing cluster identifier group, the transaction data is sent to a first target service server matching the first target service server identifier, so that the first target service server executes the quick transaction service.

[0040] Optionally, the second service diversion module is further configured to:

[0041] In the case where the target service is the contracted service, the transaction diversion identifier is a preset number of digits of a bank card number.

[0042] According to the second preset diversion rule, a second target business processing cluster identifier group matching a preset number of card number digits of the bank card number is determined.

[0043] According to the second target service server identifier in the second target service processing cluster identifier group, the transaction data is sent to a second target service server matching the second target service server identifier, so that the second target service server executes the contracted service.

[0044] Optionally, the second service diversion module is further configured to:

[0045] According to the transaction serial number of the query service, the transaction diversion identifier matching the transaction serial number is obtained from the preset remote dictionary service cluster or the target database shard.

[0046] According to the second preset diversion rule, a third target business processing cluster identifier group matching the transaction diversion identifier is determined.

[0047] According to the third target service server identifier in the third target service processing cluster identifier group, the transaction data is sent to a third target service server matching the third target service server identifier, so that the third target service server executes the query service.

[0048] A business diversion device for a bank payment system, the device comprising:

[0049] processor;

[0050] A memory for storing instructions executable by the processor.

[0051] The processor is configured to execute the instructions to implement the business diversion method of the bank payment system as described in any one of the above items.

[0052] A computer storage medium. When the instructions in the computer-readable storage medium are executed by a processor of a business diversion device of a bank payment system, the device is enabled to execute the business diversion method of the bank payment system as described in any one of the above items.

[0053] The embodiments of the present invention provide a method, system, device and storage medium for business diversion of a bank payment system. By performing an initial diversion operation on transaction data through a transaction serial number, it is possible to improve the distribution and processing efficiency of transaction business under high concurrency conditions, and avoid the phenomenon of transaction business accumulation. At the same time, by setting a transaction diversion identifier, the transaction business generated by the same bank card can be distributed to the same server cluster for execution. Compared with the prior art method of allocating various types of transaction business generated by the same bank card to different server clusters for processing, this solution avoids the problem of cross-database transaction operations. Thereby, the operating efficiency of the bank payment system in processing transaction business under high concurrency conditions is improved. It can be seen that the present invention achieves the purpose of the invention of improving the operating efficiency of the bank payment system in processing transaction business under high concurrency conditions.

[0054] Of course, it is not necessary to achieve all of the advantages described above at the same time to implement any product or method of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0056] Figure 1A flow chart of a business diversion method of a bank payment system provided by an embodiment of the present invention;

[0057] Figure 2 A block diagram of a business diversion system of a bank payment system provided by an embodiment of the present invention;

[0058] Figure 3 A block diagram of a business diversion device of a bank payment system provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0059] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0060] The embodiment of the present invention provides a business diversion method of a bank payment system, such as Figure 1 As shown, the method includes:

[0061] S101. Acquire transaction data of a target business, wherein the transaction data includes a transaction serial number and a transaction message.

[0062] Optionally, in an optional embodiment of the present invention, the target service may be a quick payment service sent by a user to a bank payment system through a payment institution.

[0063] Optionally, in another optional embodiment of the present invention, the transaction message may be a data packet generated by the payment institution according to the message specification for recording transaction information, wherein the data types in the transaction message include but are not limited to: business type, card number, amount, identity verification information, etc.

[0064] Optionally, in another optional embodiment of the present invention, the transaction serial number is an identifier used to distinguish different transaction businesses. Each transaction business has a unique serial number.

[0065] S102: Perform initial diversion preprocessing on the transaction serial number according to the first preset diversion rule, and perform initial diversion operation on the transaction data according to the initial diversion preprocessing result.

[0066] Optionally, in an optional embodiment of the present invention, the above Figure 1The step S102 shown can be implemented by a load balancer (Load Balance) configured with the first preset diversion rule. The load balancer can determine the target server identifier to which the transaction data of the target business is to be sent according to the transaction serial number according to the first preset diversion rule. The transaction data is sent to the target server according to the target server identifier, so that the target server pre-processes the message in the transaction data.

[0067] Optionally, in another optional embodiment of the present invention, since the transaction serial number uniquely identifies a transaction, initial diversion of transaction data according to the transaction serial number can improve the allocation and processing efficiency of transaction business under high concurrency conditions and avoid the occurrence of transaction business accumulation.

[0068] S103: Perform message preprocessing on the transaction message that has undergone the initial diversion operation to obtain a transaction diversion identifier.

[0069] Optionally, in an optional embodiment of the present invention, the message preprocessing may be performed on the transaction message by a pre-deployed message preprocessing server according to a preset message specification. The content of the message preprocessing operation includes but is not limited to: signature verification, encryption and decryption of sensitive information, etc. The preprocessing server may be a server cluster, which includes at least one preprocessing server.

[0070] Optionally, in another optional embodiment of the present invention, the transaction diversion identifier may be an identifier used to distinguish different business types and divert transactions of different business types to corresponding server clusters. Specifically, the transaction diversion identifier may be constructed based on a bank card number. And based on the transaction diversion identifier, different transactions generated by the same card number may be classified.

[0071] S104. Perform final diversion preprocessing on the transaction diversion identifier according to the second preset diversion rule, and perform final diversion operation on the transaction data according to the final diversion preprocessing result, so that the target business is executed.

[0072] Optionally, in an optional embodiment of the present invention, the above Figure 1The step S104 shown can be implemented by a load balancer configured with the second preset diversion rule. Specifically, the load balancing can determine what type of business the transaction data of the target business is according to the transaction diversion identifier according to the second preset diversion rule, and send the transaction data to the server cluster matching the transaction diversion identifier so that the target business is executed. Since the transaction diversion identifier can be constructed based on the bank card number, different transaction businesses generated by the same card number can be classified based on the transaction diversion identifier. Therefore, the present invention distributes the transaction business generated by the same bank card to the same server cluster for execution by setting the transaction diversion identifier. Compared with the prior art method of allocating various types of transaction businesses generated by the same bank card to different server clusters for processing, this solution avoids the problem of cross-database transaction operations. Thereby improving the operating efficiency of the bank payment system in processing transaction businesses under high concurrency conditions.

[0073] The present invention uses the transaction serial number to perform initial diversion operations on transaction data, which can improve the distribution and processing efficiency of transaction services under high-concurrency conditions and avoid the phenomenon of transaction business accumulation. At the same time, by setting the transaction diversion identifier, the transaction services generated by the same bank card can be distributed to the same server cluster for execution. Compared with the prior art method of allocating various types of transaction services generated by the same bank card to different server clusters for processing, this solution avoids the problem of cross-database transaction operations. Thereby, the operating efficiency of the bank payment system in processing transaction services under high-concurrency conditions is improved. It can be seen that the present invention achieves the purpose of the invention of improving the operating efficiency of the bank payment system in processing transaction services under high-concurrency conditions.

[0074] Optionally, performing initial diversion preprocessing on the transaction serial number according to the first preset diversion rule, and performing initial diversion operation on the transaction data according to the initial diversion preprocessing result, including:

[0075] According to the first preset diversion rule, the transaction serial number is mapped to a diversion parameter of a preset number of digits, and a target pre-processing cluster identifier group matching the diversion parameter is determined.

[0076] According to the target preprocessing server identifier in the target preprocessing cluster identifier group, the transaction data is sent to the target preprocessing server corresponding to the target preprocessing server identifier.

[0077] It should be noted that, in actual applications, there are many implementation methods for mapping the transaction serial number into a diversion parameter of preset digits according to the first preset diversion rule, and determining a target preprocessing cluster identification group matching the diversion parameter. Here, an exemplary implementation method is provided:

[0078] It is assumed that there are 4 current preprocessing servers, namely the first preprocessing server, the second preprocessing server, the third preprocessing server and the fourth preprocessing server. Among them, the diversion parameter interval corresponding to the first preprocessing server is set to 00 to 24, the diversion parameter interval corresponding to the second preprocessing server is set to 25 to 49, the diversion parameter interval corresponding to the third preprocessing server is set to 50 to 74, and the diversion parameter interval corresponding to the fourth preprocessing server is set to 75 to 99. The above transaction serial number is hashed using a preset hash algorithm. The last two digits of the budget result are selected as the diversion parameter. The current transaction serial number is set to 2022033148317795530223140300206. After the above hash operation, the selected diversion parameter is 10. Obviously, 10 is within the diversion parameter interval corresponding to the first preprocessing server, so 10 is determined as the target preprocessing cluster identification group.

[0079] Optionally, in an optional embodiment of the present invention, the data in the target preprocessing cluster identification group may include a target preprocessing server identification and a target database shard identifier. The target database shard identifier is used to distinguish different database shards. The database shard may be used to store the transaction diversion identifier.

[0080] It should be noted that the above-mentioned method for constructing database shards is a technology well known to those skilled in the art, and the present invention will not go into details here.

[0081] Optionally, performing message preprocessing on the transaction message that has undergone the initial diversion operation to obtain a transaction diversion identifier further includes:

[0082] The target preprocessing server sends the transaction diversion identifier and the transaction serial number to the preset remote dictionary service cluster and the target database shard for storage, wherein there is a one-to-one correspondence between the target database shard and the target preprocessing server, and there is a corresponding relationship between the transaction diversion identifier and the transaction serial number.

[0083] Optionally, in an optional embodiment of the present invention, since the operating efficiency of the above-mentioned preset remote dictionary service (redis) cluster is faster than the above-mentioned target database shard, when the above-mentioned target business is a query type business, the transaction diversion identifier of the target business can be quickly found in the preset redis cluster through the transaction serial number, thereby accurately finding the data storage location of the target business corresponding to the transaction serial number.

[0084] Optionally, in another optional embodiment of the present invention, the target database shard can be used to search the target database shard by transaction serial number when the data storage location of the target business cannot be found in the preset redis cluster by transaction serial number. This improves the operational reliability of the bank payment system.

[0085] Optionally, the target service consists of a quick transaction service, a contract signing service, and an inquiry service. When the target service is a payment transaction service, the transaction diversion identifier is subjected to final diversion preprocessing according to a second preset diversion rule, and the transaction data is subjected to final diversion operation according to the final diversion preprocessing result, so that the target service is executed, including:

[0086] When the target business is a quick transaction business, the transaction diversion identifier is the preset card number digits of the contract agreement number.

[0087] According to the second preset diversion rule, a first target business processing cluster identifier group matching the preset card number digits of the contract signing agreement number is determined.

[0088] According to the first target service server identifier in the first target service processing cluster identifier group, the transaction data is sent to the first target service server matching the first target service server identifier, so that the first target service server executes the quick transaction service.

[0089] It should be noted that the above-mentioned contract agreement number is an identifier used to distinguish different transaction businesses when the payment institution and the bank payment system jointly process transaction businesses. And the present invention realizes the classification of different transaction businesses through bank cards. Therefore, when constructing the above-mentioned contract agreement number, it is necessary to construct it based on the industry specifications announced by UnionPay and the random bits of the bank card number. Among them, the above-mentioned random bits are the card number bits in the bank card number that are not bound to the card number rules and have a value of a random number.

[0090] Those skilled in the art will appreciate that the above industry specifications are banking industry specifications published by UnionPay, and their specific contents can refer to "China UnionPay Cardless Express and Gateway Payment Technical Specifications" (Q / CUP 079.1-2020) and "Network Payment Clearing Platform Message Exchange Technical Specifications" (Q / NUC 102-2020). The present invention will not be elaborated in detail here.

[0091] Optionally, in an optional embodiment of the present invention, the specific type of the target service can be set according to the actual application scenario. For example, the quick transaction service can include a quick payment service and a quick refund service, the contract service can be a bank card contract service, and the query service can include a contract query service and a transaction query service. The present invention does not make too many restrictions on this.

[0092] Optionally, when the target business is a contract transaction business, it also includes:

[0093] When the target business is a contracted business, the transaction diversion identifier is the preset card number digits of the bank card number.

[0094] According to the second preset diversion rule, a second target business processing cluster identifier group matching the preset card number digits of the bank card number is determined.

[0095] According to the second target service server identifier in the second target service processing cluster identifier group, the transaction data is sent to the second target service server matching the second target service server identifier, so that the second target service server executes the contracted service.

[0096] It should be noted that, in the case where the target business is a contracted business, since the target business has not yet been contracted, the transaction type identifier does not have a contract agreement number. For different transaction types of different target businesses, their transaction diversion identifiers can be the same or different. They can be set according to the actual application scenario, and the present invention will not be elaborated on in detail here.

[0097] Optionally, when the target service is a query service, it also includes:

[0098] According to the transaction serial number of the contracted transaction business, a transaction diversion identifier matching the transaction serial number is obtained from the preset remote dictionary service cluster and the target database shard.

[0099] According to the second preset diversion rule, a third target business processing cluster identifier group matching the transaction diversion identifier is determined.

[0100] According to the third target service server identifier in the third target service processing cluster identifier group, the transaction data is sent to a third target service server matching the third target service server identifier, so that the third target service server executes the query service.

[0101] Corresponding to the above method embodiment, the present invention also provides a business diversion system of a bank payment system, such as Figure 2 As shown, the business diversion system of the bank payment system includes:

[0102] The first business diversion module 201 is used to obtain transaction data of the target business, wherein the transaction data includes a transaction serial number and a transaction message, perform initial diversion preprocessing on the transaction serial number according to a first preset diversion rule, and perform initial diversion operation on the transaction data according to the initial diversion preprocessing result.

[0103] The message preprocessing module 202 is used to perform message preprocessing on the transaction message that has undergone the initial diversion operation to obtain a transaction diversion identifier.

[0104] The second business diversion module 203 is used to perform final diversion preprocessing on the transaction diversion identifier according to the second preset diversion rule, and perform final diversion operation on the transaction data according to the final diversion preprocessing result, so that the target business is executed.

[0105] Optionally, the first service diversion module 201 is configured to:

[0106] According to the first preset diversion rule, the transaction serial number is mapped to a diversion parameter of a preset number of digits, and a target pre-processing cluster identifier group matching the diversion parameter is determined.

[0107] According to the target preprocessing server identifier in the target preprocessing cluster identifier group, the transaction data is sent to the target preprocessing server corresponding to the target preprocessing server identifier.

[0108] Optionally, the message preprocessing module 202 is further configured to:

[0109] The target preprocessing server sends the transaction diversion identifier and the transaction serial number to the preset remote dictionary service cluster and the target database shard for storage, wherein there is a one-to-one correspondence between the target database shard and the target preprocessing server, and there is a corresponding relationship between the transaction diversion identifier and the transaction serial number.

[0110] Optionally, the second service diversion module 203 is configured to:

[0111] When the target business is a quick transaction business, the transaction diversion identifier is the preset card number digits of the contract agreement number.

[0112] According to the second preset diversion rule, a first target business processing cluster identifier group matching the preset card number digits of the contract signing agreement number is determined.

[0113] According to the first target service server identifier in the first target service processing cluster identifier group, the transaction data is sent to the first target service server matching the first target service server identifier, so that the first target service server executes the quick transaction service.

[0114] Optionally, the second service diversion module 203 is further configured to:

[0115] When the target business is a contracted business, the transaction diversion identifier is the preset card number digits of the bank card number.

[0116] According to the second preset diversion rule, a second target business processing cluster identifier group matching the preset card number digits of the bank card number is determined.

[0117] According to the second target service server identifier in the second target service processing cluster identifier group, the transaction data is sent to the second target service server matching the second target service server identifier, so that the second target service server executes the contracted service.

[0118] Optionally, the second service diversion module 203 is further configured to:

[0119] According to the transaction serial number of the query business, a transaction diversion identifier matching the transaction serial number is obtained from the preset remote dictionary service cluster and the target database shard.

[0120] According to the second preset diversion rule, a third target business processing cluster identifier group matching the transaction diversion identifier is determined.

[0121] According to the third target service server identifier in the third target service processing cluster identifier group, the transaction data is sent to a third target service server matching the third target service server identifier, so that the third target service server executes the query service.

[0122] The embodiment of the present invention provides a business diversion device of a bank payment system, such as Figure 3 As shown, the business diversion device of the bank payment system includes:

[0123] Processor 301;

[0124] The memory 302 is used to store instructions executable by the processor 301 .

[0125] The processor 301 is configured to execute instructions to implement any of the above-mentioned methods for diverting business in a bank payment system.

[0126] An embodiment of the present invention provides a computer storage medium. When the instructions in the computer-readable storage medium are executed by a processor of a business diversion device of a bank payment system, the device can execute any of the business diversion methods of the bank payment system described above.

[0127] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip. The memory is an example of a computer-readable medium.

[0128] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0129] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0130] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. It should also be noted that the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0131] Each embodiment in this specification is described in a related manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0132] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.

Claims

1. A business diversion method for a bank payment system, characterized in that: The method comprises: Obtaining transaction data of the target business, wherein the transaction data includes a transaction serial number and a transaction message; According to a first preset diversion rule, the transaction serial number is initially diverted and preprocessed, and according to the initial diversion preprocessing result, the transaction data is initially diverted and preprocessed; Performing message preprocessing on the transaction message that has undergone the initial diversion operation to obtain a transaction diversion identifier; According to a second preset diversion rule, the transaction diversion identifier is subjected to final diversion preprocessing, and according to the final diversion preprocessing result, the transaction data is subjected to final diversion operation so that the target business is executed; The target service consists of a quick transaction service, a contract signing service and an inquiry service. When the target service is a payment transaction service, performing final diversion preprocessing on the transaction diversion identifier according to a second preset diversion rule, and performing final diversion operation on the transaction data according to the final diversion preprocessing result so that the target service is executed, including: In the case where the target service is the quick transaction service, the transaction diversion identifier is the preset card number digits of the contract agreement number; According to the second preset diversion rule, determining a first target business processing cluster identifier group that matches a preset number of card number digits of the contract agreement number; According to the first target service server identifier in the first target service processing cluster identifier group, the transaction data is sent to a first target service server matching the first target service server identifier, so that the first target service server executes the quick transaction service.

2. The method according to claim 1, characterized in that The performing initial diversion preprocessing on the transaction serial number according to the first preset diversion rule, and performing initial diversion operation on the transaction data according to the initial diversion preprocessing result, includes: According to the first preset diversion rule, the transaction serial number is mapped into a diversion parameter of a preset number of digits, and a target preprocessing cluster identification group matching the diversion parameter is determined; According to the target preprocessing server identifier in the target preprocessing cluster identifier group, the transaction data is sent to the target preprocessing server corresponding to the target preprocessing server identifier.

3. The method according to claim 2, characterized in that The performing message preprocessing on the transaction message that has undergone the initial diversion operation to obtain a transaction diversion identifier also includes: The target preprocessing server sends the transaction diversion identifier and the transaction serial number to a preset remote dictionary service cluster and a target database shard for storage, wherein there is a one-to-one correspondence between the target database shard and the target preprocessing server, and there is a corresponding relationship between the transaction diversion identifier and the transaction serial number.

4. The method according to claim 1, characterized in that: In the case where the target service is the contracted service, the method further includes: In the case where the target service is the contracted service, the transaction diversion identifier is a preset number of digits of a bank card number; According to the second preset diversion rule, determining a second target business processing cluster identifier group that matches a preset number of card number digits of the bank card number; According to the second target service server identifier in the second target service processing cluster identifier group, the transaction data is sent to a second target service server matching the second target service server identifier, so that the second target service server executes the contracted service.

5. The method according to claim 1, characterized in that: In the case where the target service is the query service, the method further includes: According to the transaction serial number of the query service, obtaining the transaction diversion identifier matching the transaction serial number from a preset remote dictionary service cluster or a target database shard; Determine, according to the second preset diversion rule, a third target business processing cluster identifier group that matches the transaction diversion identifier; According to the third target service server identifier in the third target service processing cluster identifier group, the transaction data is sent to a third target service server matching the third target service server identifier, so that the third target service server executes the query service.

6. A business diversion system for a bank payment system, characterized in that: The system comprises: A first business diversion module is used to obtain transaction data of a target business, wherein the transaction data includes a transaction serial number and a transaction message; perform initial diversion preprocessing on the transaction serial number according to a first preset diversion rule, and perform initial diversion operation on the transaction data according to the initial diversion preprocessing result; A message preprocessing module, used for performing message preprocessing on the transaction message after the initial diversion operation to obtain a transaction diversion identifier; A second business diversion module, configured to perform final diversion preprocessing on the transaction diversion identifier according to a second preset diversion rule, and perform a final diversion operation on the transaction data according to the final diversion preprocessing result, so that the target business is executed; The target service consists of a quick transaction service, a contract signing service and an inquiry service. When the target service is a payment transaction service, the second service diversion module performs final diversion preprocessing on the transaction diversion identifier according to a second preset diversion rule, and performs final diversion operation on the transaction data according to the final diversion preprocessing result, so that the target service is executed, including: In the case where the target service is the quick transaction service, the transaction diversion identifier is the preset card number digits of the contract agreement number; According to the second preset diversion rule, determining a first target business processing cluster identifier group that matches a preset number of card number digits of the contract agreement number; According to the first target service server identifier in the first target service processing cluster identifier group, the transaction data is sent to a first target service server matching the first target service server identifier, so that the first target service server executes the quick transaction service.

7. The system according to claim 6, characterized in that The first service diversion module is configured as: According to the first preset diversion rule, the transaction serial number is mapped into a diversion parameter of a preset number of digits, and a target preprocessing cluster identification group matching the diversion parameter is determined; According to the target preprocessing server identifier in the target preprocessing cluster identifier group, the transaction data is sent to the target preprocessing server corresponding to the target preprocessing server identifier.

8. A business diversion device for a bank payment system, characterized in that: The device comprises: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the business diversion method of the bank payment system as described in any one of claims 1 to 5.

9. A computer-readable storage medium, characterized in that: When the instructions in the computer-readable storage medium are executed by a processor of a business diversion device of a bank payment system, the business diversion method of a bank payment system as claimed in any one of claims 1 to 5 can be executed.

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