Payment channel configuration method, device, equipment and medium

Abstract

The present invention relates to the field of Internet technology, and provides a payment channel configuration method, device, equipment and medium, which can use a channel routing component to select a target channel from a payment channel pool according to pending orders. On the one hand, all payment channels are uniformly managed based on the payment channel pool, and on the other hand, the target channel can be reasonably selected from the payment channel pool according to multiple dimensions of the pending orders; further, a channel communication component is used to generate a request message based on the target channel, and communication is initiated to the target channel according to the request message, so as to communicate with different payment channels based on a unified channel communication component, provide a unified communication service, and shield the communication complexity of external payment channels; further, the feedback payment processing result is recorded for subsequent data tracing.

Description

Technical Field

[0001] The present invention relates to the field of Internet technology, and in particular to a payment channel configuration method, device, equipment and medium. Background Art

[0002] In the payment field, the traditional payment channel system is relatively old. After a long period of business and technical iteration and update, the system structure, code design, etc. have become more complicated, resulting in increasing maintenance costs.

[0003] Specifically, the traditional payment channel system has the following main problems:

[0004] (1) The expansion capabilities of channel routing are still not perfect, including the expansion of channel models and routing rules. For example, it is impossible to directly support the rate-priority routing strategy, and it is impossible to support the dynamic combination of the existing channel model and rate model for routing.

[0005] (2) The implementation, combination, and execution order of channel routing rules are all hard-coded in the code, which has a significant impact on the efficiency of subsequent channel routing rule changes, risk control, and time cost control.

[0006] (3) The channel routing process has not been uniformly abstracted, and the concepts are relatively scattered. Especially in the co-construction scenario, the familiarization cost for R&D personnel is high and it is difficult to get started.

[0007] (4) Channel routing rules and configurations lack a unified management mechanism, do not support visual configuration capabilities, and have relatively high maintenance costs.

[0008] In response to the above problems, a new payment channel configuration method is urgently needed. Summary of the invention

[0009] In view of the above, it is necessary to provide a payment channel configuration method, device, equipment and medium, aiming to solve the problems of poor compatibility and low stability of payment channels.

[0010] A payment channel configuration method, the payment channel configuration method comprising:

[0011] In response to a payment request initiated by an upstream application, parsing the payment request to obtain a pending order;

[0012] Obtain a pre-built payment channel pool, and select a target channel from the payment channel pool according to the pending order using a channel routing component;

[0013] Generate a request message based on the target channel using a channel communication component, and initiate communication to the target channel according to the request message;

[0014] When the payment processing result fed back by the target channel is received, the payment processing result is recorded.

[0015] According to a preferred embodiment of the present invention, the channel routing component is built based on the microkernel architecture, supporting dynamic chain routing rule combination and dynamic execution of Groovy scripts; the channel communication component is built based on the microkernel architecture, supporting communication message processors in the responsibility chain mode and dynamic execution of Groovy scripts.

[0016] According to a preferred embodiment of the present invention, the routing rules integrated by the channel routing component include: standard routing rules, Groovy routing rules and expression routing rules;

[0017] The standard routing rules are routing rules pre-implemented in the code, and the standard routing rules are modified and added by publishing;

[0018] Wherein, the Groovy routing rule is implemented based on the Groovy script, and the Groovy routing rule performs the modification operation and the new addition operation in a dynamic manner and is not dependent on the publishing method;

[0019] The expression routing rule is implemented based on an expression engine, and the expression routing rule supports dynamic expression configuration and is independent of the publishing method.

[0020] According to a preferred embodiment of the present invention, the selecting a target channel from the payment channel pool according to the pending order by using a channel routing component comprises:

[0021] Obtaining the payment cost and availability of each payment channel in the payment channel pool;

[0022] Performing a first screening of the payment channel pool according to the payment cost and availability of each payment channel to obtain a first set of candidate channels;

[0023] Obtain the merchant incoming data corresponding to the pending order and the percentage flow switching strategy;

[0024] The first candidate channel set is screened again according to the merchant application data and the percentage switching strategy to obtain the target channel.

[0025] According to a preferred embodiment of the present invention, the using the channel communication component to generate a request message based on the target channel, and initiating communication to the target channel according to the request message includes:

[0026] Acquire a communication protocol corresponding to the target channel as a target protocol;

[0027] generating the request message based on the order to be processed according to the target protocol;

[0028] A standard service interface for providing external services is called, and the request message is transmitted to the target channel based on the standard service interface.

[0029] According to a preferred embodiment of the present invention, recording the payment processing result includes:

[0030] Record the transaction data in the payment processing result and the routing information of the target channel.

[0031] According to a preferred embodiment of the present invention, the method further comprises:

[0032] The processing of the channel routing component is visualized.

[0033] A payment channel configuration device, the payment channel configuration device comprising:

[0034] A parsing unit, configured to respond to a payment request initiated by an upstream application and parse the payment request to obtain a pending order;

[0035] A selection unit, configured to obtain a pre-built payment channel pool, and select a target channel from the payment channel pool according to the pending order by using a channel routing component;

[0036] A communication unit, configured to generate a request message based on the target channel by using a channel communication component, and initiate communication to the target channel according to the request message;

[0037] The recording unit is used to record the payment processing result when receiving the payment processing result fed back by the target channel.

[0038] A computer device, comprising:

[0039] a memory storing at least one instruction; and

[0040] A processor executes the instructions stored in the memory to implement the payment channel configuration method.

[0041] A computer-readable storage medium stores at least one instruction, and the at least one instruction is executed by a processor in a computer device to implement the payment channel configuration method.

[0042] It can be seen from the above technical solutions that the present invention can utilize the channel routing component to select the target channel from the payment channel pool according to the pending orders. On the one hand, all payment channels are uniformly managed based on the payment channel pool, and on the other hand, the target channel can be reasonably selected from the payment channel pool according to multiple dimensions of the pending orders. Furthermore, the channel communication component is utilized to generate a request message based on the target channel, and communication is initiated to the target channel according to the request message, so as to communicate with different payment channels based on a unified channel communication component, provide a unified communication service, and shield the communication complexity of external payment channels. The feedback payment processing results are further recorded for subsequent data tracing. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] Figure 1 It is a flow chart of a preferred embodiment of the payment channel configuration method of the present invention.

[0044] Figure 2 It is a functional module diagram of a preferred embodiment of the payment channel configuration device of the present invention.

[0045] Figure 3 It is a structural diagram of a computer device of a preferred embodiment of the payment channel configuration method of the present invention. DETAILED DESCRIPTION

[0046] In order to make the purpose, technical solutions and advantages of the present invention more clear, the present invention is described in detail below with reference to the accompanying drawings and specific embodiments.

[0047] like Figure 1 FIG. 1 is a flow chart of a preferred embodiment of the payment channel configuration method of the present invention. According to different requirements, the order of the steps in the flow chart can be changed, and some steps can be omitted.

[0048] The payment channel configuration method is applied to one or more computer devices, which are devices that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and their hardware includes but is not limited to microprocessors, application specific integrated circuits (ASIC), programmable gate arrays (FPGA), digital signal processors (DSP), embedded devices, etc.

[0049] The computer device may be any electronic product that can perform human-computer interaction with a user, such as a personal computer, a tablet computer, a smart phone, a personal digital assistant (PDA), a game console, an interactive network television (IPTV), a smart wearable device, etc.

[0050] The computer device may also include a network device and / or a user device, wherein the network device includes, but is not limited to, a single network server, a server group consisting of multiple network servers, or a cloud consisting of a large number of hosts or network servers based on cloud computing.

[0051] The server can be an independent server or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), as well as big data and artificial intelligence platforms.

[0052] Among them, Artificial Intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0053] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0054] The network where the computer device is located includes but is not limited to the Internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (VPN), etc.

[0055] S10, in response to a payment request initiated by an upstream application, parsing the payment request to obtain a pending order.

[0056] The upstream application may be an application having functions such as shopping.

[0057] In this embodiment, parsing the payment request to obtain a pending order includes:

[0058] Parsing the payment request to obtain data carried in the payment request;

[0059] The to-be-processed order is obtained from the data carried in the payment request.

[0060] The pending order may be a shopping order to be paid, etc.

[0061] S11, obtaining a pre-built payment channel pool, and using a channel routing component to select a target channel from the payment channel pool according to the pending order.

[0062] In this embodiment, the payment channel pool is used to uniformly store and manage all payment channels to facilitate channel expansion.

[0063] In this embodiment, the selecting a target channel from the payment channel pool according to the pending order by using the channel routing component includes:

[0064] Obtaining the payment cost and availability of each payment channel in the payment channel pool;

[0065] Performing a first screening of the payment channel pool according to the payment cost and availability of each payment channel to obtain a first set of candidate channels;

[0066] Obtain the merchant incoming data corresponding to the pending order and the percentage flow switching strategy;

[0067] The first candidate channel set is screened again according to the merchant application data and the percentage switching strategy to obtain the target channel.

[0068] For example: available payment channels whose payment costs are less than or equal to the configuration costs can be first screened out from the payment channel pool to construct the first candidate channel set; channels that meet the merchant's application data and the percentage switching strategy can be further screened out from the first candidate channel set to obtain the target channel.

[0069] The percentage flow switching strategy refers to configuring the maximum processable data volume of each payment channel and selecting a payment channel based on the maximum processable data volume of each payment channel.

[0070] Furthermore, after the secondary screening, if the number of payment channels obtained is multiple, a third screening may be further performed by random acquisition or according to the usage priority of each payment channel to obtain the target channel.

[0071] Through the above-mentioned embodiments, the payment channels can be comprehensively screened based on multiple dimensions, so that the target channels finally screened out are more reasonable, thereby being able to provide better payment services.

[0072] S12, using the channel communication component to generate a request message based on the target channel, and initiating communication to the target channel according to the request message.

[0073] In this embodiment, the channel routing component is built based on the microkernel architecture, supporting dynamic chain routing rule combination and dynamic execution of Groovy scripts; the channel communication component is built based on the microkernel architecture, supporting communication message processors in the responsibility chain mode and dynamic execution of Groovy scripts.

[0074] Different from the traditional method of implementing channel routing control in a hard-coded manner, this embodiment uses a channel routing component to make the addition and modification of channel routing rules more convenient and more scalable.

[0075] In this embodiment, the routing rules integrated by the channel routing component include: standard routing rules, Groovy routing rules and expression routing rules;

[0076] The standard routing rules are routing rules pre-implemented in the code, and the standard routing rules are modified and added by publishing;

[0077] Wherein, the Groovy routing rule is implemented based on the Groovy script, and the Groovy routing rule performs the modification operation and the new addition operation in a dynamic manner and is not dependent on the publishing method;

[0078] The expression routing rule is implemented based on an expression engine, and the expression routing rule supports dynamic expression configuration and is independent of the publishing method.

[0079] Through the above configuration, the channel routing component supports multiple routing rules at the same time, and has stronger practicality.

[0080] This embodiment uniformly abstracts the channel routing function through the channel routing component, and uniformly abstracts the channel communication function through the channel communication component, which effectively reduces the R&D cost and maintenance cost and is more configurable.

[0081] In this embodiment, the using the channel communication component to generate a request message based on the target channel, and initiating communication to the target channel according to the request message includes:

[0082] Acquire a communication protocol corresponding to the target channel as a target protocol;

[0083] generating the request message based on the order to be processed according to the target protocol;

[0084] A standard service interface for providing external services is called, and the request message is transmitted to the target channel based on the standard service interface.

[0085] Specifically, the channel communication component integrates a variety of different communication protocols, thereby being compatible with different payment channels.

[0086] Specifically, through the standard service interface, a unified interface service can be provided externally, making the interface more standardized.

[0087] In this embodiment, when it is necessary to connect to a new service, the mapping conversion process from the new service to the channel communication component can be encapsulated as an SDK (Software Development Kit), and the SDK can be sent to the upstream application for installation, so that adaptation to the new service can be completed at the calling end.

[0088] S13, when receiving the payment processing result fed back by the target channel, recording the payment processing result.

[0089] In this embodiment, recording the payment processing result includes:

[0090] Record the transaction data in the payment processing result and the routing information of the target channel.

[0091] The transaction data may include payment, refund and other data.

[0092] In this embodiment, the method further includes:

[0093] The processing of the channel routing component is visualized.

[0094] By visually displaying the processing process of the channel routing component, the relevant configuration process of the channel routing component can be more intuitively displayed, thereby improving the configuration and maintenance efficiency of routing rules.

[0095] It can be seen from the above technical solutions that the present invention can utilize the channel routing component to select the target channel from the payment channel pool according to the pending orders. On the one hand, all payment channels are uniformly managed based on the payment channel pool, and on the other hand, the target channel can be reasonably selected from the payment channel pool according to multiple dimensions of the pending orders. Furthermore, the channel communication component is utilized to generate a request message based on the target channel, and communication is initiated to the target channel according to the request message, so as to communicate with different payment channels based on a unified channel communication component, provide a unified communication service, and shield the communication complexity of external payment channels. The feedback payment processing results are further recorded for subsequent data tracing.

[0096] like Figure 2 , which is a functional module diagram of a preferred embodiment of the payment channel configuration device of the present invention. The payment channel configuration device 11 includes a parsing unit 110, a selection unit 111, a communication unit 112, and a recording unit 113. The module / unit referred to in the present invention refers to a series of computer program segments that can be executed by a processor and can perform fixed functions, which are stored in a memory. In this embodiment, the functions of each module / unit will be described in detail in subsequent embodiments.

[0097] The parsing unit 110 is used to respond to a payment request initiated by an upstream application and parse the payment request to obtain a pending order;

[0098] The selection unit 111 is used to obtain a pre-built payment channel pool, and select a target channel from the payment channel pool according to the pending order by using a channel routing component;

[0099] The communication unit 112 is used to generate a request message based on the target channel by using the channel communication component, and initiate communication to the target channel according to the request message;

[0100] The recording unit 113 is used to record the payment processing result when receiving the payment processing result fed back by the target channel.

[0101] It can be seen from the above technical solutions that the present invention can utilize the channel routing component to select the target channel from the payment channel pool according to the pending orders. On the one hand, all payment channels are uniformly managed based on the payment channel pool, and on the other hand, the target channel can be reasonably selected from the payment channel pool according to multiple dimensions of the pending orders. Furthermore, the channel communication component is utilized to generate a request message based on the target channel, and communication is initiated to the target channel according to the request message, so as to communicate with different payment channels based on a unified channel communication component, provide a unified communication service, and shield the communication complexity of external payment channels. The feedback payment processing results are further recorded for subsequent data tracing.

[0102] like Figure 3 , which is a schematic diagram of the structure of a computer device of a preferred embodiment of the payment channel configuration method of the present invention.

[0103] The computer device 1 may include a memory 12, a processor 13 and a bus, and may also include a computer program stored in the memory 12 and executable on the processor 13, such as a payment channel configuration program.

[0104] Those skilled in the art will appreciate that the schematic diagram is merely an example of the computer device 1 and does not constitute a limitation on the computer device 1. The computer device 1 may be a bus-type structure or a star-type structure. The computer device 1 may also include more or less other hardware or software than shown in the diagram, or a different arrangement of components. For example, the computer device 1 may also include input and output devices, network access devices, etc.

[0105] It should be noted that the computer device 1 is only an example, and other existing or future electronic products that are suitable for the present invention should also be included in the protection scope of the present invention and included here by reference.

[0106] Among them, the memory 12 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disk, multimedia card, card-type memory (for example: SD or DX memory, etc.), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 12 can be an internal storage unit of the computer device 1, such as a mobile hard disk of the computer device 1. In other embodiments, the memory 12 can also be an external storage device of the computer device 1, such as a plug-in mobile hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (SecureDigital, SD) card, a flash card (Flash Card), etc. equipped on the computer device 1. Further, the memory 12 can also include both an internal storage unit of the computer device 1 and an external storage device. The memory 12 can not only be used to store application software and various types of data installed on the computer device 1, such as the code of the payment channel configuration program, etc., but also can be used to temporarily store data that has been output or is to be output.

[0107] In some embodiments, the processor 13 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or a plurality of packaged integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and combinations of various control chips. The processor 13 is the control core (Control Unit) of the computer device 1, and uses various interfaces and lines to connect the various components of the entire computer device 1, and executes or executes programs or modules stored in the memory 12 (for example, executing payment channel configuration programs, etc.), and calls data stored in the memory 12 to execute various functions of the computer device 1 and process data.

[0108] The processor 13 executes the operating system of the computer device 1 and various installed applications. The processor 13 executes the applications to implement the steps in the above-mentioned payment channel configuration method embodiments, for example Figure 1 Steps shown.

[0109] Exemplarily, the computer program may be divided into one or more modules / units, which are stored in the memory 12 and executed by the processor 13 to implement the present invention. The one or more modules / units may be a series of computer-readable instruction segments capable of implementing specific functions, which are used to describe the execution process of the computer program in the computer device 1. For example, the computer program may be divided into a parsing unit 110, a selection unit 111, a communication unit 112, and a recording unit 113.

[0110] The above-mentioned integrated unit implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, and includes a number of instructions for enabling a computer device (which can be a personal computer, a computer device, or a network device, etc.) or a processor to execute a portion of the payment channel configuration method described in each embodiment of the present invention.

[0111] If the module / unit integrated in the computer device 1 is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present invention implements all or part of the processes in the above-mentioned embodiment method, and can also be completed by instructing the relevant hardware devices through a computer program. The computer program can be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of each of the above-mentioned method embodiments can be implemented.

[0112] The computer program includes computer program code, which may be in source code form, object code form, executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory, etc.

[0113] Furthermore, the computer-readable storage medium may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function, etc.; the data storage area may store data created according to the use of the blockchain node, etc.

[0114] The blockchain referred to in this invention is a new application mode of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, platform product service layer, and application service layer.

[0115] The bus can be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 3 The bus is represented by only one straight line, but it does not mean that there is only one bus or one type of bus. The bus is configured to realize the connection and communication between the memory 12 and at least one processor 13, etc.

[0116] Although not shown, the computer device 1 may also include a power source (such as a battery) for supplying power to each component. Preferably, the power source may be logically connected to the at least one processor 13 through a power management device, so that the power management device can realize functions such as charging management, discharging management, and power consumption management. The power source may also include any components such as one or more DC or AC power sources, recharging devices, power failure detection circuits, power converters or inverters, power status indicators, etc. The computer device 1 may also include a variety of sensors, Bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

[0117] Furthermore, the computer device 1 may also include a network interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is usually used to establish a communication connection between the computer device 1 and other computer devices.

[0118] Optionally, the computer device 1 may further include a user interface, which may be a display, an input unit (such as a keyboard), or a standard wired interface or a wireless interface. Optionally, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, or an OLED (Organic Light-Emitting Diode) touch device. The display may also be appropriately referred to as a display screen or a display unit, which is used to display information processed in the computer device 1 and to display a visual user interface.

[0119] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0120] Figure 3 Only the computer device 1 having components 12-13 is shown, and it can be understood by those skilled in the art that Figure 3 The structure shown does not constitute a limitation on the computer device 1, and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0121] Combination Figure 1 , the memory 12 in the computer device 1 stores a plurality of instructions to implement a payment channel configuration method, and the processor 13 can execute the plurality of instructions to implement:

[0122] In response to a payment request initiated by an upstream application, parsing the payment request to obtain a pending order;

[0123] Obtain a pre-built payment channel pool, and select a target channel from the payment channel pool according to the pending order using a channel routing component;

[0124] Generate a request message based on the target channel using a channel communication component, and initiate communication to the target channel according to the request message;

[0125] When the payment processing result fed back by the target channel is received, the payment processing result is recorded.

[0126] Specifically, the specific implementation method of the processor 13 for the above instructions can refer to Figure 1 The description of the relevant steps in the corresponding embodiments will not be repeated here.

[0127] It should be noted that the data involved in this case were all obtained legally.

[0128] In the several embodiments provided by the present invention, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative, for example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

[0129] The present invention can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present invention can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present invention can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0130] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0131] In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0132] It is obvious to those skilled in the art that the present invention is not limited to the details of the above exemplary embodiments, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0133] Therefore, no matter from which point of view, the embodiments should be regarded as illustrative and non-restrictive, and the scope of the present invention is limited by the appended claims rather than the above description, so it is intended that all changes falling within the meaning and scope of the equivalent elements of the claims are included in the present invention. Any attached figure mark in the claims should not be regarded as limiting the claims involved.

[0134] In addition, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the present invention can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

[0135] Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present invention can be modified or replaced by equivalents without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. A payment channel configuration method, characterized in that: The payment channel configuration method comprises: In response to a payment request initiated by an upstream application, parsing the payment request to obtain a pending order; Obtain a pre-built payment channel pool, and select a target channel from the payment channel pool according to the pending order using a channel routing component; Generate a request message based on the target channel using a channel communication component, and initiate communication to the target channel according to the request message; When receiving the payment processing result fed back by the target channel, recording the payment processing result; The selecting a target channel from the payment channel pool according to the pending order by using the channel routing component comprises: Obtaining the payment cost and availability of each payment channel in the payment channel pool; Performing a first screening of the payment channel pool according to the payment cost and availability of each payment channel to obtain a first set of candidate channels; Obtain the merchant incoming data corresponding to the pending order and the percentage flow switching strategy; Performing a secondary screening on the first candidate channel set according to the merchant application data and the percentage switching strategy to obtain the target channel; The percentage flow switching strategy refers to configuring the maximum processable data volume of each payment channel and selecting a payment channel based on the maximum processable data volume of each payment channel.

2. The payment channel configuration method according to claim 1, characterized in that: The channel routing component is built based on the microkernel architecture, supporting dynamic chain routing rule combination and dynamic execution of Groovy scripts; the channel communication component is built based on the microkernel architecture, supporting communication message processors in the responsibility chain mode and dynamic execution of Groovy scripts.

3. The payment channel configuration method according to claim 1, characterized in that: The routing rules integrated in the channel routing component include: standard routing rules, Groovy routing rules and expression routing rules; The standard routing rules are routing rules pre-implemented in the code, and the standard routing rules are modified and added by publishing; Wherein, the Groovy routing rule is implemented based on the Groovy script, and the Groovy routing rule performs the modification operation and the new addition operation in a dynamic manner and is not dependent on the publishing method; The expression routing rule is implemented based on an expression engine, and the expression routing rule supports dynamic expression configuration and is independent of the publishing method.

4. The payment channel configuration method according to claim 1, characterized in that: The utilizing the channel communication component to generate a request message based on the target channel, and initiating communication to the target channel according to the request message includes: Acquire a communication protocol corresponding to the target channel as a target protocol; generating the request message based on the order to be processed according to the target protocol; A standard service interface for providing external services is called, and the request message is transmitted to the target channel based on the standard service interface.

5. The payment channel configuration method according to claim 1, characterized in that: The recording of the payment processing result includes: Record the transaction data in the payment processing result and the routing information of the target channel.

6. The payment channel configuration method according to claim 1, characterized in that: The method further comprises: The processing of the channel routing component is visualized.

7. A payment channel configuration device, characterized in that: The payment channel configuration device comprises: A parsing unit, configured to respond to a payment request initiated by an upstream application and parse the payment request to obtain a pending order; A selection unit, configured to obtain a pre-built payment channel pool, and select a target channel from the payment channel pool according to the pending order by using a channel routing component; A communication unit, configured to generate a request message based on the target channel by using a channel communication component, and initiate communication to the target channel according to the request message; a recording unit, configured to record the payment processing result when receiving the payment processing result fed back by the target channel; The selecting a target channel from the payment channel pool according to the pending order by using the channel routing component comprises: Obtaining the payment cost and availability of each payment channel in the payment channel pool; Performing a first screening of the payment channel pool according to the payment cost and availability of each payment channel to obtain a first set of candidate channels; Obtain the merchant incoming data corresponding to the pending order and the percentage flow switching strategy; Performing a secondary screening on the first candidate channel set according to the merchant application data and the percentage switching strategy to obtain the target channel; The percentage flow switching strategy refers to configuring the maximum processable data volume of each payment channel and selecting a payment channel based on the maximum processable data volume of each payment channel.

8. A computer device, characterized in that: The computer device comprises: a memory storing at least one instruction; and A processor executes instructions stored in the memory to implement the payment channel configuration method as described in any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores at least one instruction, and the at least one instruction is executed by a processor in a computer device to implement the payment channel configuration method as described in any one of claims 1 to 6.

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