Resource Transfer Routing Method, Device, Computer Equipment, Storage Medium

Abstract

The present application relates to a resource transfer routing method, apparatus, computer device, storage medium, and computer program product. The method includes: receiving a resource transfer request; the resource transfer request carrying a routing identifier; when it is determined according to the routing identifier that the resource transfer request does not meet a preset condition, determining a corresponding static routing factor and a dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor; obtaining a target resource transfer channel according to the routing score, and completing a resource transfer operation through the target resource transfer channel. By using this method, a suitable resource transfer channel can be obtained for the resource transfer operation.

Description

Technical Field

[0001] This application relates to the field of computers, and particularly to a resource transfer routing method, apparatus, computer device, storage medium, and computer program product. Background Art

[0002] For current major e-commerce platforms, resource transfer services are the most fundamental and widespread. And with the rapid development of the Internet, the requirements for resource transfer routing are getting higher and higher.

[0003] Currently, the commonly used resource transfer routing methods in related technologies include manual resource transfer routing, rule-based resource transfer routing, and weight-based resource transfer routing. However, in the above methods, not only a large amount of manual work is required, but also a suitable resource transfer channel cannot be selected. Summary of the Invention

[0004] Based on this, in view of the above technical problems, it is necessary to provide a resource transfer routing method, apparatus, computer device, computer-readable storage medium, and computer program product that can obtain a suitable resource transfer channel.

[0005] In a first aspect, this application provides a resource transfer routing method, which includes:

[0006] Receiving a resource transfer request; the resource transfer request carries a routing identifier;

[0007] When it is determined according to the routing identifier that the resource transfer request does not meet the preset conditions, determining corresponding static routing factors and dynamic routing factors according to the routing identifier, and calculating a routing score according to the static routing factors and the dynamic routing factors;

[0008] Obtaining a target resource transfer channel according to the routing score, and completing the resource transfer operation through the target resource transfer channel.

[0009] In one embodiment, the determining corresponding static routing factors and dynamic routing factors according to the routing identifier, and calculating a routing score according to the static routing factors and the dynamic routing factors includes:

[0010] Querying according to the routing identifier to obtain a rule identifier corresponding to the routing identifier;

[0011] Obtaining a plurality of initial resource transfer channels and corresponding dynamic routing factors of each of the initial resource transfer channels according to the rule identifier;

[0012] Obtaining static routing factors corresponding to each of the initial resource transfer channels;

[0013] Calculate the routing scores corresponding to each of the initial resource transfer channels based on the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing factors corresponding to each of the initial resource transfer channels.

[0014] In one embodiment, the calculating the routing scores corresponding to each of the initial resource transfer channels based on the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing factors corresponding to each of the initial resource transfer channels includes:

[0015] Calculate the dynamic routing weights corresponding to each of the initial resource transfer channels according to the dynamic routing factors corresponding to each of the initial resource transfer channels and the routing factor weights carried by the dynamic routing factors.

[0016] Calculate the routing scores corresponding to each of the initial resource transfer channels based on the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing weights corresponding to each of the initial resource transfer channels.

[0017] In one embodiment, the obtaining the target resource transfer channel according to the routing scores and completing the resource transfer through the target resource transfer channel includes:

[0018] Obtain a preset screening rule.

[0019] Obtain the target resource transfer channel according to the preset screening rule and the routing scores, and complete the resource transfer through the target resource transfer channel.

[0020] In one embodiment, after receiving the resource transfer request; the resource transfer request carries a routing identifier, further includes:

[0021] When the resource transfer request meets the preset conditions, obtain a preset resource transfer channel and complete the resource transfer operation according to the preset resource transfer channel.

[0022] In one embodiment, the resource transfer request further carries an object identifier; before determining that the resource transfer request does not meet the preset conditions according to the routing identifier, includes:

[0023] Judge whether the object identifier is a target identifier.

[0024] When the object identifier is the target identifier, complete the resource transfer operation by configuring the resource transfer channel.

[0025] When the object identifier is not the target identifier, judge whether the resource transfer request meets the preset conditions according to the routing identifier.

[0026] Second aspect, the present application further provides a resource transfer routing device, which includes:

[0027] A receiving module, configured to receive a resource transfer request; the resource transfer request carries a routing identifier;

[0028] A calculation module, configured to, when it is determined that the resource transfer request does not meet the preset conditions according to the routing identifier, determine the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculate a routing score according to the static routing factor and the dynamic routing factor;

[0029] A resource transfer module, configured to obtain a target resource transfer channel according to the routing score, and complete a resource transfer operation through the target resource transfer channel.

[0030] Third aspect, the present application further provides a computer device, which includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the steps of the above method are implemented.

[0031] Fourth aspect, the present application further provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above method are implemented.

[0032] Fifth aspect, the present application further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the steps of the above method are implemented.

[0033] For the above resource transfer routing method, device, computer device, storage medium, and computer program product, the server first receives a resource transfer request, where the resource transfer request carries a routing identifier. When it is determined that the resource transfer request does not meet the preset conditions according to the routing identifier, the corresponding static routing factor and dynamic routing factor are determined according to the routing identifier, and a routing score is calculated according to the static routing factor and the dynamic routing factor. Finally, a target resource transfer channel is obtained according to the routing score, and a resource transfer operation is completed through the target resource transfer channel. Since the target resource transfer channel is obtained according to the routing score, and the routing score is obtained according to the static routing factor and the dynamic routing factor, a suitable target resource transfer channel can be obtained to complete the resource transfer operation. Description of the Drawings

[0034] Figure 1 It is an application environment diagram of the resource transfer routing method in an embodiment;

[0035] Figure 2 It is a schematic flowchart of the resource transfer routing method in an embodiment;

[0036] Figure 3 Schematic diagram of the steps of applying the resource transfer routing method in an embodiment to a payment scenario;

[0037] Figure 4 Block diagram of the structure of a resource transfer routing device in an embodiment;

[0038] Figure 5 Internal structure diagram of a computer device in an embodiment. Detailed implementation manners

[0039] In order to make the objectives, technical solutions, and advantages of the present application clearer and more understandable, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0040] The resource transfer routing method provided by the embodiments of the present application can be applied to an application environment as shown in Figure 1 . Among them, the terminal 102 communicates with the server 104 through a network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or can be placed in the cloud or other network servers. The server 104 obtains a resource transfer request sent by the terminal 102. The resource transfer request carries a routing identifier. The server 104 judges the resource transfer request according to the routing identifier. When it is determined according to the routing identifier that the resource transfer request does not meet the preset conditions, the corresponding static routing factor and dynamic routing factor are determined according to the routing identifier, and the routing score is calculated according to the static routing factor and the dynamic routing factor. Finally, the target resource transfer channel is obtained according to the routing score, and the resource transfer operation is completed through the target resource transfer channel. Among them, the terminal 102 can be, but is not limited to, various personal computers, laptop computers, smart phones, tablet computers, Internet of Things devices, and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, etc. The portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server 104 can be implemented by an independent server or a server cluster composed of multiple servers.

[0041] In one embodiment, as shown in Figure 2 , a resource transfer routing method is provided. Taking the method applied to the server 104 in Figure 1 as an example, the method includes the following steps:

[0042] S202. Receive a resource transfer request; the resource transfer request carries a routing identifier.

[0043] Among them, the resource transfer request refers to a request sent by the terminal to the server for resource transfer.

[0044] Among them, the routing identifier refers to the identity identifier carried in the resource transfer request, which is used to characterize the identity of the resource transfer request. It can include one or more codes. For example, the routing identifier can include a transaction code and a product code.

[0045] Optionally, the resource transfer request received by the server may be sent after being encrypted by the terminal. Therefore, after the server receives the resource transfer request sent by the terminal, it first decrypts the resource transfer request, and then obtains the routing identifier carried in the resource transfer request.

[0046] S204, when it is determined according to the routing identifier that the resource transfer request does not meet the preset conditions, determine the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculate the routing score according to the static routing factor and the dynamic routing factor.

[0047] Among them, the preset condition refers to the information preset in advance for judging whether the resource transfer request meets the conditions. It can be preset list information, identification information, etc.

[0048] Among them, the routing score is calculated according to the static routing factor and the dynamic routing factor, and is a measurement index for selecting the target resource transfer channel. The target resource transfer channel refers to the channel through which the resource transfer request finally selects to complete the resource transfer.

[0049] Among them, the routing factor refers to the rule condition attribute that needs to be considered when selecting the resource transfer channel; the static routing factor refers to the rule condition attribute whose corresponding weight will not change; the dynamic routing factor refers to the rule condition attribute whose corresponding weight will change with the resource transfer operation. For example, the resource transfer failure rate. As the resource transfer failure rate increases, the weight of this dynamic routing factor decreases, that is, the weight also changes dynamically with the change of the resource transfer failure rate.

[0050] Among them, the main static routing factors include the dark period of the resource transfer channel, the upper and lower limits of the resource transfer amount, the forced factor (which can manually control the availability of the channel), etc. The dynamic routing factors include the channel rate, the resource transfer operation failure rate, the diversion factor (direct payment channel diversion, reasonably controlling the use of the payment route), the channel QOS (Quality of Service), etc.

[0051] After the server receives the resource transfer request and the routing identifier carried by the resource transfer request, it determines whether the resource transfer request corresponding to the routing identifier meets the preset conditions according to the preset conditions. When the resource transfer request does not meet the preset conditions, the static routing factor and the dynamic routing factor corresponding to the routing identifier are further determined according to the routing identifier, and finally the routing score is calculated according to the static routing factor and the dynamic routing factor.

[0052] Optionally, the calculation method of the routing score can be the product of the weight corresponding to the static routing factor and the weight corresponding to the dynamic routing factor as the routing score.

[0053] S206, obtain the target resource transfer channel according to the routing score, and complete the resource transfer operation through the target resource transfer channel.

[0054] Optionally, the server can select the target resource transfer channel from the initial resource transfer channels according to the routing score. Among them, the initial resource transfer channel refers to multiple resource transfer channels that can perform resource transfer operations obtained according to the routing identifier; the target resource transfer channel refers to the channel selected by the server terminal to complete the resource transfer operation.

[0055] Optionally, the server can obtain the target resource transfer channel according to the preset screening rules and the routing score, and complete the resource transfer through the target resource transfer channel. Among them, the preset screening rules refer to the rules preset for selecting the target resource transfer channel, which can be selected according to the actual application scenario. In this way, the preset screening rules can be adjusted according to the actual application scenario or application requirements to select less according to the routing score, so as to obtain the most suitable target resource transfer channel for the current application scenario or application requirements, and then better complete the resource transfer operation.

[0056] Optionally, the server can select the resource initial resource transfer channel with the highest score as the target resource transfer channel, and complete the resource transfer operation through the target resource transfer channel.

[0057] In other embodiments, candidate resource transfer channels can be obtained by presetting a selection range and a routing score; a target resource transfer channel is selected from the candidate resource transfer channels according to a preset algorithm, and the resource transfer operation is completed through the target resource transfer channel. Among them, presetting the selection range refers to a selection metric for selecting candidate resource channels from the initial resource channels. For example, the server can sort the initial resource transfer channels from high to low according to the routing score, then select at least one candidate resource transfer channel from the initial resource transfer channels according to the preset selection range, and then select a target resource transfer channel from the candidate resource transfer channels according to the preset algorithm. In this embodiment, the preset algorithm is a polling algorithm, that is, after the server selects at least one candidate resource transfer channel, if the candidate resource transfer channel with the highest routing score is performing a resource transfer operation, the polling algorithm is used to select an available candidate resource transfer channel as the target resource transfer channel, and the resource transfer operation is completed through the target resource transfer channel.

[0058] In the above resource transfer routing method, the server first receives a resource transfer request, where the resource transfer request carries a routing identifier. When it is determined that the resource transfer request does not meet the preset conditions according to the routing identifier, the corresponding static routing factor and dynamic routing factor are determined according to the routing identifier, and the routing score is calculated according to the static routing factor and the dynamic routing factor. Finally, the target resource transfer channel is obtained according to the routing score, and the resource transfer operation is completed through the target resource transfer channel. Since the target resource transfer channel is obtained according to the routing score, and the routing score is obtained according to the static routing factor and the dynamic routing factor, an optimal target resource transfer channel can be obtained to complete the resource transfer operation.

[0059] In one embodiment, determining the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculating the routing score according to the static routing factor and the dynamic routing factor includes: querying according to the routing identifier to obtain a rule identifier corresponding to the routing identifier; obtaining a plurality of initial resource transfer channels and the corresponding dynamic routing factors of each initial resource transfer channel according to the rule identifier; obtaining the static routing factor corresponding to each initial resource transfer channel; and calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel.

[0060] Among them, the rule identifier refers to an identifier for presetting to obtain all resource transfer channels corresponding to the routing identifier, such as "A01".

[0061] The server will query according to the routing identifier to obtain the rule identifier that matches the routing identifier. Then, based on the rule identifier, all the initial resource transfer channels under the rule identifier and the dynamic routing factors corresponding to each initial resource transfer channel can be obtained. Next, the server will obtain the static routing factors corresponding to each initial resource transfer channel, and then calculate according to the static routing factors and dynamic routing factors corresponding to each initial resource transfer channel to obtain the routing scores corresponding to each initial resource transfer channel.

[0062] Optionally, if the server does not query the corresponding rule identifier according to the routing identifier, a default rule code can be adopted.

[0063] Optionally, when the routing identifier includes multiple codes, the server needs to query according to multiple codes simultaneously. For example, if the routing identifier includes a transaction code and a product code, the server will query according to the transaction code and the product code simultaneously, that is, use the transaction code and the product code as the query conditions simultaneously for querying.

[0064] In the above embodiment, the server queries the corresponding rule identifier through the routing identifier, can obtain the initial resource transfer channel according to the rule identifier, and then can calculate the routing score according to the static routing factor and the dynamic reason factor corresponding to the initial resource transfer channel, thereby realizing the switching of the dynamic resource transfer channel.

[0065] In one embodiment, calculating the routing scores corresponding to each initial resource transfer channel according to the static routing factors corresponding to each initial resource transfer channel and the dynamic routing factors corresponding to each initial resource transfer channel includes: calculating according to the dynamic routing factors corresponding to each initial resource transfer channel and the routing factor weights carried by the dynamic routing factors to obtain the dynamic routing weights corresponding to each initial resource transfer channel; calculating the routing scores corresponding to each initial resource transfer channel according to the weights corresponding to the static routing factors corresponding to each initial resource transfer channel and the dynamic routing weights corresponding to each initial resource transfer channel.

[0066] After the server obtains the dynamic routing factors corresponding to each initial resource transfer channel, it calculates according to the dynamic routing factors corresponding to each initial resource transfer channel and the dynamic routing factors to obtain the dynamic routing weights corresponding to each disposal resource transfer channel. Among them, the calculation method of the dynamic routing weight is as follows:

[0067]

[0068] Among them, r j is the weight coefficient of the dynamic factor, b j is the dynamic factor count value (failure rate, error rate, etc.), where m is a positive integer.

[0069] After calculating the dynamic routing weight, based on the weights corresponding to the static routing factors of each initial resource transfer channel and the dynamic routing weights of each initial resource transfer channel, the routing scores corresponding to each initial resource transfer channel are calculated. Among them, the static factor is a factor preprocessed by the system, and the rules are maintained manually in the system. For example, the dark period can be maintained manually in the system. If the transaction of this payment channel is within the dark period, the transaction of this channel is prohibited. Among them, the calculation method of the routing score is as follows:

[0070]

[0071] Among them, f(x i ) is the weight of the static factor. The static routing factor restricts transactions and can be maintained manually. As long as one static routing factor meets the condition, it is 0. For example, if the artificial setting of the forced factor: the status of the payment channel fails, then the entire sco is 0, indicating that this payment channel cannot conduct transactions. Among them, m and n are positive integers.

[0072] Among them, the weight of the dynamic routing factor is determined according to the attributes of different dynamic routing factors. For example, the transaction failure rate. As the failure rate of the resource transfer operation increases, the weight of this routing factor decreases, that is, the weight also changes dynamically with the change of the resource transfer failure rate.

[0073] In the above embodiment, since the dynamic routing factor and its dynamic routing weight are dynamically obtained during the real-time resource transfer operation, non-systematic errors caused by manual configuration can be reduced, and the resource transfer channel can be dynamically obtained according to the routing score, and there will always be a return result, which will not cause transaction failure.

[0074] In one embodiment, a resource transfer request is received; after the resource transfer request carries a routing identifier, it further includes: when the resource transfer request meets a preset condition, a preset resource transfer channel is obtained, and the resource transfer operation is completed according to the preset resource transfer channel.

[0075] Among them, the preset resource transfer channel refers to a resource transfer channel that is preset and used when the resource transfer request meets the preset condition.

[0076] Optionally, the preset condition may be preset whitelist information, such as some list information that has specified the resource transfer channel before the resource transfer. When the routing identifier is in the whitelist information, the preset resource transfer channel is obtained, and the resource transfer operation is completed through the preset resource transfer channel.

[0077] In the above embodiments, when the resource transfer request meets the preset conditions, the resource transfer request is directly processed according to the preset resource transfer until the resource transfer request is completed. This can reduce the waste of computing resources because these already specified requests have already specified the resource transfer channels and there is no need to calculate the routing score again.

[0078] In one embodiment, the resource transfer request further carries an object identifier; before determining that the resource transfer request does not meet the preset conditions according to the routing identifier, it includes: determining whether the object identifier is the target identifier; when the object identifier is the target identifier, the resource transfer operation is completed by configuring the resource transfer channel; when the object identifier is not the target identifier, it is determined whether the resource transfer request meets the preset conditions according to the routing identifier.

[0079] Among them, the object identifier is carried in the resource transfer request and is used to represent the object of the resource transfer request. The server first determines whether the object identifier carried in the resource transfer request is the target identifier, where the target identifier is a preset identifier and can be set according to the actual application situation. When the object identifier is the target identifier, the resource transfer operation is completed according to the configured resource transfer channel. Among them, the resource transfer channel is pre-configured, and it is the channel required for the resource transfer operation when the object identifier is the target identifier. When the object identifier is not the target identifier, it is determined whether the resource transfer request meets the preset conditions according to the routing identifier.

[0080] Optionally, when the object identifier is the "other bank identifier of this bank", it is determined whether the "other bank identifier of this bank" is the target identifier. In this embodiment, the target identifier is the identifier of a preset specified bank. If the "other bank identifier of this bank" is the target identifier, the resource transfer operation is completed by configuring the resource transfer channel, that is, the resource transfer operation is completed through the resource transfer channel corresponding to the specified bank.

[0081] In the above embodiments, the server first determines whether the object identifier carried in the resource transfer request is the target identifier, and then performs different operations according to whether it is the target identifier. This can reduce the waste of computing resources, that is, when the object identifier is the target identifier, the resource transfer operation can be directly completed by configuring the resource transfer channel.

[0082] In an exemplary embodiment, as shown in Figure 3 shown, Figure 3 is a schematic diagram of the steps of applying the resource transfer routing method in an embodiment to a payment scenario.

[0083] S302, receive the transaction request message, determine the "other bank identifier of this bank" carried in the transaction request message. When the "other bank identifier of this bank" is the bank itself, directly send it to the front-end system to complete the resource transfer operation, that is, complete the resource transfer operation by configuring the resource transfer channel.

[0084] S304. If it is a transaction of another bank, determine whether the rule whitelist is hit (the rule whitelist is a special routing method for configuring a specified channel based on the "card number" and "business type").

[0085] S306. If the rule whitelist is hit, the transaction is directly sent to the channel configured in the whitelist. Here, the list means that for some loan notes, the payment channel is specified at the time of loan disbursement and is maintained manually. As long as the loan note hits the whitelist, it directly goes through the specified payment channel without calling the routing rule module.

[0086] S308. If the rule whitelist is not hit, query the "General Routing Rule Configuration Table" using the "transaction code" and "product code" carried in the transaction request to obtain the "rule code". If no record is found, query the corresponding "rule code" using the default product.

[0087] S310. Use the dynamic routing rule module to calculate the score of the hit route. First, match all channel capabilities according to the "rule code" obtained in step 4 (each rule code is pre-assigned with multiple channel capabilities, each channel capability represents a payment channel, and all routing factors under this payment channel are maintained, as well as the weights corresponding to the dynamic routing factors including the weights calculated in real time), and then calculate the score of each payment channel according to formula (2) in a loop.

[0088] S312. Sort the screening results in descending order of score.

[0089] S314. Determine whether data can be retrieved in the previous step. Here, the previous step refers to obtaining the score results, which may be one score or multiple scores. If no data can be retrieved, report an error "Channel configuration information not found", and this transaction reports an error and exits.

[0090] S316. If data can be retrieved, take the first "payment channel code" and send the transaction to this channel.

[0091] It should be noted that in this embodiment, the transaction request message is a resource transfer request, the "this / other bank identifier" is the object identifier, the rule whitelist is the preset condition, the "transaction code" and "product code" identify the routing identifier, the "rule code" represents the rule identifier, and the descending order sorting is the preset screening rule.

[0092] In the above embodiments, first, non-systematic errors caused by manual configuration can be reduced. This is because only basic parameters need to be manually configured during the resource transfer process, and the hit route is dynamically obtained during real-time transactions. For example, when a payment channel suddenly fails, its score will rapidly decrease, and it will be dynamically switched to other channels, reducing the time limit for manual processing. When business personnel want to switch the payment channel, they only need to adjust the parameters of the routing factor to achieve dynamic switching. Moreover, when obtaining the payment channel dynamically in this way, there will generally be a return result, and the transaction will not fail. However, once the traditional manual configuration of the payment channel goes wrong, the payment channel cannot be obtained, and the transaction will be interrupted. Secondly, due to the use of the dynamic routing weight calculation method, when an exception occurs in the payment channel, such as an increase in the failure rate, the score of this payment channel will decrease, and it will be dynamically switched to other channels, improving the fault tolerance and stability of the system.

[0093] It should be understood that although the steps in the flowcharts involved in the above-mentioned embodiments are sequentially shown according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless there is a clear description in this article, there is no strict order limit for the execution of these steps, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily executed at the same moment, but can be executed at different moments. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0094] Based on the same inventive concept, the embodiments of the present application also provide a resource transfer routing device for implementing the resource transfer routing method involved above. The solution provided by this device to solve the problem is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the resource transfer routing device provided below can refer to the limitations on the resource transfer routing method in the above text, and will not be repeated here.

[0095] In one embodiment, as Figure 4 shown, a resource transfer routing device is provided, including: a receiving module 100, a calculation module 200, and a resource transfer module 300, where:

[0096] The receiving module 100 is configured to receive a resource transfer request; the resource transfer request carries a routing identifier.

[0097] The calculation module 200 is configured to determine the corresponding static routing factor and dynamic routing factor according to the routing identifier when the resource transfer request does not meet the preset conditions according to the routing identifier, and calculate the routing score according to the static routing factor and the dynamic routing factor.

[0098] The first resource transfer module 300 is configured to obtain the target resource transfer channel according to the routing score, and complete the resource transfer operation through the target resource transfer channel.

[0099] In one embodiment, the above-mentioned calculation module 200 includes:

[0100] The query unit is configured to query according to the routing identifier to obtain the rule identifier corresponding to the routing identifier.

[0101] The dynamic factor acquisition unit is configured to obtain a plurality of initial resource transfer channels and the corresponding dynamic routing factors of each initial resource transfer channel according to the rule identifier.

[0102] The static factor acquisition unit is configured to obtain the static routing factor corresponding to each initial resource transfer channel.

[0103] The score calculation unit is configured to calculate the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel.

[0104] In one embodiment, the above-mentioned score calculation unit includes:

[0105] The routing weight calculation subunit is configured to calculate according to the dynamic routing factor corresponding to each initial resource transfer channel and the routing factor weight carried by the dynamic routing factor to obtain the dynamic routing weight corresponding to each initial resource transfer channel.

[0106] The routing score calculation subunit is configured to calculate the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing weight corresponding to each initial resource transfer channel.

[0107] In one embodiment, the first resource transfer module 300 includes:

[0108] The rule acquisition unit is configured to obtain the preset screening rule.

[0109] The resource transfer unit is configured to obtain the target resource transfer channel according to the preset screening rule and the routing score, and complete the resource transfer through the target resource transfer channel.

[0110] In one embodiment, the above-mentioned device includes:

[0111] A second resource transfer module, configured to obtain a preset resource transfer channel when a resource transfer request meets a preset condition, and complete a resource transfer operation according to the preset resource transfer channel.

[0112] In one embodiment, the above device further includes:

[0113] A first judgment module, configured to judge whether an object identifier is a target identifier.

[0114] A configuration transfer module, configured to complete a resource transfer operation by configuring a resource transfer channel when the object identifier is the target identifier.

[0115] A second judgment module, configured to judge whether a resource transfer request meets a preset condition according to a routing identifier when the object identifier is not the target identifier.

[0116] Each module in the above resource transfer routing device can be implemented in whole or in part by software, hardware, and their combination. Each of the above modules can be embedded in or independent of a processor in a computer device in the form of hardware, or stored in a memory in the computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0117] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as Figure 5 shown. The computer device includes a processor, a memory, and a network interface connected through a system bus. Wherein, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, it implements a resource transfer routing method.

[0118] Those skilled in the art can understand that Figure 5 the structure shown in

[0119] In one embodiment, a computer device is provided, including a memory and a processor. A computer program is stored in the memory. When the processor executes the computer program, the following steps are implemented: receiving a resource transfer request; the resource transfer request carries a routing identifier; when it is determined that the resource transfer request does not meet the preset conditions according to the routing identifier, determining the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor; obtaining a target resource transfer channel according to the routing score, and completing the resource transfer operation through the target resource transfer channel.

[0120] In one embodiment, when the processor executes the computer program, determining the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor includes: querying according to the routing identifier to obtain a rule identifier corresponding to the routing identifier; obtaining a plurality of initial resource transfer channels and the corresponding dynamic routing factors of each initial resource transfer channel according to the rule identifier; obtaining the static routing factor corresponding to each initial resource transfer channel; calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel.

[0121] In one embodiment, when the processor executes the computer program, calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel includes: calculating according to the dynamic routing factor corresponding to each initial resource transfer channel and the routing factor weight carried by the dynamic routing factor to obtain the dynamic routing weight corresponding to each initial resource transfer channel; calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing weight corresponding to each initial resource transfer channel.

[0122] In one embodiment, when the processor executes the computer program, obtaining a target resource transfer channel according to the routing score, and completing the resource transfer through the target resource transfer channel includes: obtaining a preset screening rule; obtaining a target resource transfer channel according to the preset screening rule and the routing score, and completing the resource transfer through the target resource transfer channel.

[0123] In one embodiment, after receiving the resource transfer request; the resource transfer request carries a routing identifier when the processor executes the computer program, it further includes: when the resource transfer request meets the preset conditions, obtaining a preset resource transfer channel, and completing the resource transfer operation according to the preset resource transfer channel.

[0124] In one embodiment, the resource transfer request implemented when the processor executes a computer program further carries an object identifier; before determining that the resource transfer request does not meet the preset conditions according to the routing identifier, it includes: determining whether the object identifier is the target identifier; when the object identifier is the target identifier, completing the resource transfer operation by configuring the resource transfer channel; when the object identifier is not the target identifier, determining whether the resource transfer request meets the preset conditions according to the routing identifier.

[0125] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented: receiving a resource transfer request; the resource transfer request carries a routing identifier; when it is determined that the resource transfer request does not meet the preset conditions according to the routing identifier, determining the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor; obtaining a target resource transfer channel according to the routing score, and completing the resource transfer operation through the target resource transfer channel.

[0126] In one embodiment, when the computer program is executed by the processor, determining the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculating the routing score according to the static routing factor and the dynamic routing factor includes: querying according to the routing identifier to obtain a rule identifier corresponding to the routing identifier; obtaining a plurality of initial resource transfer channels and the corresponding dynamic routing factors of each initial resource transfer channel according to the rule identifier; obtaining the static routing factor corresponding to each initial resource transfer channel; calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel.

[0127] In one embodiment, when the computer program is executed by the processor, calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel includes: calculating according to the dynamic routing factor corresponding to each initial resource transfer channel and the routing factor weight carried by the dynamic routing factor to obtain the dynamic routing weight corresponding to each initial resource transfer channel; calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing weight corresponding to each initial resource transfer channel.

[0128] In one embodiment, when the computer program is executed by a processor, obtaining a target resource transfer channel according to a routing score and completing resource transfer through the target resource transfer channel includes: obtaining a preset screening rule; obtaining the target resource transfer channel according to the preset screening rule and the routing score, and completing resource transfer through the target resource transfer channel.

[0129] In one embodiment, when the computer program is executed by a processor, receiving a resource transfer request; after the resource transfer request carries a routing identifier, it further includes: when the resource transfer request meets a preset condition, obtaining a preset resource transfer channel and completing a resource transfer operation according to the preset resource transfer channel.

[0130] In one embodiment, the resource transfer request further carries an object identifier; before determining that the resource transfer request does not meet the preset condition according to the routing identifier, it includes: determining whether the object identifier is a target identifier; when the object identifier is the target identifier, completing a resource transfer operation by configuring a resource transfer channel; when the object identifier is not the target identifier, determining whether the resource transfer request meets the preset condition according to the routing identifier.

[0131] In one embodiment, a computer program product is provided, including a computer program, which when executed by a processor implements the following steps: receiving a resource transfer request; the resource transfer request carries a routing identifier; when it is determined that the resource transfer request does not meet the preset condition according to the routing identifier, determining a corresponding static routing factor and a dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor; obtaining a target resource transfer channel according to the routing score and completing a resource transfer operation through the target resource transfer channel.

[0132] In one embodiment, when the computer program is executed by a processor, determining a corresponding static routing factor and a dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor includes: querying according to the routing identifier to obtain a rule identifier corresponding to the routing identifier; obtaining a plurality of initial resource transfer channels and the corresponding dynamic routing factors of each initial resource transfer channel according to the rule identifier; obtaining the static routing factor corresponding to each initial resource transfer channel; calculating the routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel.

[0133] In one embodiment, when the computer program is executed by a processor, calculating a routing score corresponding to each initial resource transfer channel according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing factor corresponding to each initial resource transfer channel includes: calculating, according to the dynamic routing factor corresponding to each initial resource transfer channel and the routing factor weight carried by the dynamic routing factor, to obtain the dynamic routing weight corresponding to each initial resource transfer channel; calculating, according to the static routing factor corresponding to each initial resource transfer channel and the dynamic routing weight corresponding to each initial resource transfer channel, to obtain the routing score corresponding to each initial resource transfer channel.

[0134] In one embodiment, when the computer program is executed by a processor, obtaining a target resource transfer channel according to the routing score and completing resource transfer through the target resource transfer channel includes: obtaining a preset screening rule; obtaining the target resource transfer channel according to the preset screening rule and the routing score, and completing resource transfer through the target resource transfer channel.

[0135] In one embodiment, when the computer program is executed by a processor, receiving a resource transfer request; after the resource transfer request carries a routing identifier, it further includes: when the resource transfer request meets a preset condition, obtaining a preset resource transfer channel and completing a resource transfer operation according to the preset resource transfer channel.

[0136] In one embodiment, the resource transfer request further carries an object identifier; before determining that the resource transfer request does not meet the preset condition according to the routing identifier, it includes: determining whether the object identifier is a target identifier; when the object identifier is the target identifier, completing a resource transfer operation by configuring a resource transfer channel; when the object identifier is not the target identifier, determining whether the resource transfer request meets the preset condition according to the routing identifier.

[0137] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memories. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided in the present application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in the present application can be general-purpose processors, central processors, graphics processors, digital signal processors, programmable logic devices, data processing logics based on quantum computing, etc., without limitation.

[0138] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0139] The above-described embodiments merely represent several implementation manners of the present application. The description thereof is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A resource transfer routing method, characterized in that, The method includes: Receiving a resource transfer request; the resource transfer request carries a routing identifier; When it is determined that the resource transfer request does not meet the preset conditions according to the routing identifier, determining the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor; Obtaining a target resource transfer channel according to the routing score, and completing the resource transfer operation through the target resource transfer channel; The determining the corresponding static routing factor and dynamic routing factor according to the routing identifier, and calculating a routing score according to the static routing factor and the dynamic routing factor includes: querying according to the routing identifier to obtain a rule identifier corresponding to the routing identifier; according to the rule identifier, obtaining a plurality of initial resource transfer channels and the dynamic routing factors corresponding to each of the initial resource transfer channels; obtaining the static routing factors corresponding to each of the initial resource transfer channels; calculating the routing scores corresponding to each of the initial resource transfer channels according to the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing factors corresponding to each of the initial resource transfer channels; The calculating the routing scores corresponding to each of the initial resource transfer channels according to the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing factors corresponding to each of the initial resource transfer channels includes: calculating according to the dynamic routing factors corresponding to each of the initial resource transfer channels and the routing factor weights carried by the dynamic routing factors to obtain the dynamic routing weights corresponding to each of the initial resource transfer channels; calculating the routing scores corresponding to each of the initial resource transfer channels according to the weights corresponding to the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing weights corresponding to each of the initial resource transfer channels; The calculation formula of the routing score is as follows: Among them, the is the weight of the static routing factor; the is the weight of the dynamic routing factor; is the weight coefficient of the dynamic routing factor, is the dynamic factor count value; m is a positive integer; the dynamic factor count value includes one or more of the failure rate and the error rate; the static routing factor is used to restrict resource transfer; the weight of the dynamic routing factor decreases as the resource transfer operation improves.

2. The method according to claim 1, characterized in that The obtaining a target resource transfer channel according to the routing score, and completing the resource transfer through the target resource transfer channel includes: Obtaining a preset screening rule; Obtaining the target resource transfer channel according to the preset screening rule and the routing score, and completing the resource transfer through the target resource transfer channel.

3. The method according to claim 1, characterized in that After the receiving the resource transfer request; the resource transfer request carries a routing identifier, it further includes: When the resource transfer request meets the preset conditions, obtaining a preset resource transfer channel, and completing the resource transfer operation according to the preset resource transfer channel.

4. The method according to claim 1, characterized in that The resource transfer request further carries an object identifier; before the determining that the resource transfer request does not meet the preset conditions according to the routing identifier, it includes: Judging whether the object identifier is a target identifier; When the object identifier is the target identifier, completing the resource transfer operation through the configured resource transfer channel; When the object identifier is not the target identifier, judging whether the resource transfer request meets the preset conditions according to the routing identifier.

5. A resource transfer routing device, characterized in that, The device includes: A receiving module, configured to receive a resource transfer request; the resource transfer request carries a routing identifier; A calculation module, configured to determine a corresponding static routing factor and a dynamic routing factor according to the routing identifier when it is determined that the resource transfer request does not meet the preset conditions according to the routing identifier, and calculate a routing score according to the static routing factor and the dynamic routing factor; A resource transfer module, configured to obtain a target resource transfer channel according to the routing score, and complete a resource transfer operation through the target resource transfer channel; The calculation module includes: A query unit, configured to query according to the routing identifier to obtain a rule identifier corresponding to the routing identifier; A dynamic factor acquisition unit, configured to obtain a plurality of initial resource transfer channels and the corresponding dynamic routing factors of each of the initial resource transfer channels according to the rule identifier; A static factor acquisition unit, configured to obtain the static routing factors corresponding to each of the initial resource transfer channels; A score calculation unit, configured to calculate the routing scores corresponding to each of the initial resource transfer channels according to the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing factors corresponding to each of the initial resource transfer channels; The score calculation unit includes: A routing weight calculation subunit, configured to calculate according to the dynamic routing factors corresponding to each of the initial resource transfer channels and the routing factor weights carried by the dynamic routing factors to obtain the dynamic routing weights corresponding to each of the initial resource transfer channels; A routing score calculation subunit, configured to calculate the routing scores corresponding to each of the initial resource transfer channels according to the weights corresponding to the static routing factors corresponding to each of the initial resource transfer channels and the dynamic routing weights corresponding to each of the initial resource transfer channels; the calculation formula of the routing score is as follows: Among them, the is the weight of the static routing factor; the is the weight of the dynamic routing factor; is the weight coefficient of the dynamic routing factor, is the dynamic factor count value; m is a positive integer; the dynamic factor count value includes one or more of the failure rate and the error rate; the static routing factor is used to limit resource transfer; the weight of the dynamic routing factor decreases as the resource transfer operation improves.

6. The device according to claim 5, characterized in that The resource transfer module includes: A rule acquisition unit, configured to acquire a preset screening rule; A resource transfer unit, configured to obtain the target resource transfer channel according to the preset screening rule and the routing score, and complete resource transfer through the target resource transfer channel.

7. The device according to claim 5, wherein, The above device includes: A second resource transfer module, configured to obtain a preset resource transfer channel when the resource transfer request meets the preset conditions, and complete a resource transfer operation according to the preset resource transfer channel.

8. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 4 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, the steps of the method according to any one of claims 1 to 4 are implemented.

10. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by the processor, the steps of the method according to any one of claims 1 to 4 are implemented.

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