Resource transfer channel determination method and device, equipment and readable storage medium

Abstract

The invention relates to a resource transfer channel determination method and device, equipment and a readable storage medium. The method comprises the steps that in response to a resource transfer request, resource transfer information carried by the resource transfer request is determined, and the resource transfer information comprises a resource receiver and a resource transfer mode; determining all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule; determining a matching result between the resource transfer information and each atomic routing rule; and determining a target resource transfer channel from all the resource transfer channels according to all the matching results. By adopting the method, matching can be performed according to the resource transfer information and the atomic routing rules of different dimensions, and the optimal resource transfer channel can be quickly determined.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a method, device, equipment and readable storage medium for determining a resource transfer channel. Background Art

[0002] With the rapid development of online shopping, online shopping is becoming more and more popular. As online shopping increases, resources need to be transferred online. For example, in a real-time resource transfer system, each resource transfer request will generate a resource transfer order, and the system will route the resource transfer tool according to the resource transfer method of the resource transfer order.

[0003] In conventional technologies, a target resource transfer channel is determined from given resource transfer channels according to a preset priority, or the target resource transfer channel can only be determined by simple sorting and routing, resulting in inaccurate resource transfer channels. Summary of the invention

[0004] Based on this, it is necessary to provide a resource transfer channel determination method, apparatus, computer equipment, computer-readable storage medium and computer program product that can improve the accuracy of the resource transfer channel in order to address the above technical problems.

[0005] In a first aspect, the present application provides a method for determining a resource transfer channel, comprising:

[0006] In response to a resource transfer request, determining resource transfer information carried in the resource transfer request, the resource transfer information including a resource recipient and a resource transfer method;

[0007] Determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule;

[0008] Determining a matching result between the resource transfer information and each of the atomic routing rules;

[0009] A target resource transfer channel is determined from all the resource transfer channels according to all the matching results.

[0010] In one embodiment, the atomic routing rule includes judgment conditions of multiple categories, and each category of the judgment condition has a corresponding judgment executor, and the determining of the matching result between the resource transfer information and each of the atomic routing rules includes:

[0011] Parsing the resource transfer information to obtain metadata of multiple dimensions;

[0012] For each of the atomic routing rules, respectively determining target metadata matching the judgment condition of each category from the metadata;

[0013] Obtaining an intermediate matching result output by each of the judgment executors, wherein the intermediate matching result is a matching condition between the target metadata and the judgment condition of the corresponding category;

[0014] According to all the intermediate matching results, a matching result between the resource transfer information and each of the atomic routing rules is determined.

[0015] In one embodiment, determining the matching result between the resource transfer information and each of the atomic routing rules according to all the intermediate matching results includes:

[0016] If all the intermediate matching results are matches, it is determined that the resource transfer information matches the atomic routing rule.

[0017] In one embodiment, determining a target resource transfer channel from among all resource transfer channels according to all matching results includes:

[0018] Determining the priorities of all resource transfer channels according to the matching results;

[0019] According to the priority, a target resource transfer channel is determined from all the resource transfer channels.

[0020] In one of the embodiments, determining the target resource transfer channel from all the resource transfer channels according to the priority includes:

[0021] Determine a resource transfer channel sequence based on the priority sorting, and verify each resource transfer channel in the resource transfer channel sequence in turn;

[0022] If there is a valid resource transfer channel in the resource transfer channel sequence, adding the valid resource transfer channel to the selected channel list;

[0023] A target resource transfer channel is determined from the selected channel list.

[0024] In one embodiment, the method further comprises:

[0025] Obtaining a business order corresponding to the resource transfer request;

[0026] An abnormality detection is performed on the business order, and if there is no abnormality in the business order, resource transfer is performed via the target resource transfer channel.

[0027] In a second aspect, the present application also provides a resource transfer channel determination device, including:

[0028] A data processing module, configured to determine, in response to a resource transfer request, resource transfer information carried in the resource transfer request, wherein the resource transfer information includes a resource recipient and a resource transfer method;

[0029] A transfer channel acquisition module, used to determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule;

[0030] A matching module, used to determine a matching result between the resource transfer information and each of the atomic routing rules;

[0031] The transfer channel determination module is used to determine a target resource transfer channel from all the resource transfer channels according to all the matching results.

[0032] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0033] In response to a resource transfer request, determining resource transfer information carried in the resource transfer request, the resource transfer information including a resource recipient and a resource transfer method;

[0034] Determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule;

[0035] Determining a matching result between the resource transfer information and each of the atomic routing rules;

[0036] A target resource transfer channel is determined from all the resource transfer channels according to all the matching results.

[0037] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the following steps are implemented:

[0038] In response to a resource transfer request, determining resource transfer information carried in the resource transfer request, the resource transfer information including a resource recipient and a resource transfer method;

[0039] Determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule;

[0040] Determining a matching result between the resource transfer information and each of the atomic routing rules;

[0041] A target resource transfer channel is determined from all the resource transfer channels according to all the matching results.

[0042] In a fifth aspect, the present application further provides a computer program product, including a computer program, which implements the following steps when executed by a processor:

[0043] In response to a resource transfer request, determining resource transfer information carried in the resource transfer request, the resource transfer information including a resource recipient and a resource transfer method;

[0044] Determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule;

[0045] Determining a matching result between the resource transfer information and each of the atomic routing rules;

[0046] A target resource transfer channel is determined from all the resource transfer channels according to all the matching results.

[0047] The above-mentioned resource transfer channel determination method, apparatus, computer equipment, computer-readable storage medium and computer program product, when resource transfer is required, respond to a resource transfer request, and determine the target resource transfer channel from all resource transfer channels supported by the resource recipient based on the resource transfer information carried in the resource transfer request. That is, by matching the resource transfer information with atomic routing rules of different dimensions, the optimal resource transfer channel is quickly determined, the efficiency of resource transfer is improved, and a more secure, efficient and reliable resource transfer service is provided. Furthermore, the most suitable channel is flexibly selected according to different resource transfer information to adapt to different scenario requirements. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0049] Figure 1 A diagram of an application environment of a method for determining a resource transfer channel in an embodiment;

[0050] Figure 2 A schematic diagram of a flow chart of a method for determining a resource transfer channel in an embodiment;

[0051] Figure 3 A schematic diagram of a custom data model rule in one embodiment;

[0052] Figure 4 is a schematic flow chart of step 206 in one embodiment;

[0053] Figure 5 A schematic diagram of a flow chart of a method for determining a target resource transfer channel in one embodiment;

[0054] Figure 6 It is a schematic diagram of the application of a method for determining a resource transfer channel in an embodiment;

[0055] Figure 7 It is a structural block diagram of a device for determining a resource transfer channel in one embodiment;

[0056] Figure 8 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with 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.

[0058] With the rapid development of online shopping, online shopping is becoming more and more popular. As online shopping increases, resources need to be transferred online. Resource transfer can be cross-regional resource transfer. For example, in the cross-regional resource transfer system, each resource transfer request will generate a resource transfer order. The cross-regional resource transfer system will perform transfer tool routing according to the resource transfer method of the resource transfer order.

[0059] In the related art, the system can only determine the resource transfer channel through simple sorting for routing. For example, the existing routing logic is to determine the route based on the default sorting (database insertion order), weight (%), priority, and card bin country, and the routing rules are priority card bin, weight, priority, and default sorting. For example, merchant A has configured three VISA resource transfer channels a, b, and c, and the database defaults to sorting c, b, and a, with weight rankings a (50%), b (30%), and c (20%), priorities b (0), c (1), and a (2), and card bin rule a configures the first type of card bin. For example, scenario one: the user uses a VISA card with the first type of card bin to conduct a transaction, and the routing system determines that the card bin meets the requirements and directly selects payment channel a as the payment channel.

[0060] Scenario 2: The user uses a VISA card that is not a card of the first type bin to make a transaction. The merchant only configures the weighted routing rules, and the routing system determines the weight through a random sampling algorithm. For example, if the sampling random number is 20, payment channel c is selected as the payment channel.

[0061] Scenario 3: The user uses a VISA card that is not the first type of card bin to make a transaction. The merchant only configures the priority routing rules. The routing system sorts the payment channels by priority and selects the channel ranked first, and then selects payment channel b as the payment channel.

[0062] Scenario 4: The user uses a VISA card that is not the first type of card bin to make a transaction. The merchant has not configured routing rules. The routing system selects the first-ranked channel according to the default sorting, and selects payment channel c as the payment channel. In this method, only the resource transfer channel can be determined by routing based on simple sorting, and the best resource transfer channel cannot be determined.

[0063] Aiming at this technical problem, a resource transfer channel determination method is proposed. In response to a resource transfer request, the resource transfer information carried by the resource transfer request is determined, and the resource transfer information includes the resource receiver and the resource transfer method; all resource transfer channels corresponding to the resource receiver are determined; each resource transfer channel has a corresponding atomic routing rule; the matching result between the resource transfer information and each atomic routing rule is determined; and the target resource transfer channel is determined from all resource transfer channels according to all matching results. By flexibly selecting the most appropriate channel according to different resource transfer information, the optimal resource transfer channel can be quickly determined, thereby improving the efficiency of resource transfer.

[0064] The resource transfer channel determination method provided in the embodiment of the present application can be applied to Figure 1In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the 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 it can be placed on the cloud or other network servers. In response to the resource transfer request, the server 104 determines the resource transfer information carried by the resource transfer request, and the resource transfer information includes the resource recipient and the resource transfer method; determines all resource transfer channels corresponding to the resource recipient; wherein each resource transfer channel has a corresponding atomic routing rule; determines the matching result between the resource transfer information and each atomic routing rule; and determines the target resource transfer channel from all resource transfer channels according to all matching results. Among them, the terminal 102 can be, but is not limited to, various personal computers, laptops, 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 car devices, projection devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. Head-mounted devices can be virtual reality (VR) devices, augmented reality (AR) devices, smart glasses, etc. The server 104 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides cloud computing services.

[0065] In an exemplary embodiment, Figure 2 As shown, a method for determining a resource transfer channel is provided, and the method is applied to Figure 1 The server in the example is used to illustrate, including the following steps 202 to 208. Among them:

[0066] Step 202: In response to the resource transfer request, determine the resource transfer information carried in the resource transfer request, where the resource transfer information includes a resource recipient and a resource transfer method.

[0067] The resource transfer request may be a cross-regional resource transfer request or a resource transfer request within the same region. This embodiment takes a cross-regional resource transfer request as an example for explanation. The resource transfer request may be initiated by a user terminal. When the user terminal initiates a resource transfer request, the server system will create a resource transfer order according to the resource transfer request. The resource transfer order is a record of the resource transfer request, including the resource transfer information carried by the resource transfer request.

[0068] In addition to the resource recipient and resource transfer method, resource transfer information may also include the transferred resource value, resource type, transfer time, and resource transfer location. In the payment scenario, the transfer time can be understood as the payment time, and the resource transfer location includes the regional location of the resource transferor and the regional location of the resource recipient. The specific content of resource transfer information in different application scenarios is different, and the specific content of resource transfer information is not limited here. The resource transfer method can be understood as the means of resource transfer. Taking the resource transfer method as the payment method as an example, the resource transfer method corresponds to the resource pool type. The resource pool type can be but is not limited to credit cards, debit cards, and e-wallets.

[0069] Exemplarily, a resource transfer request initiated by a user terminal is received, and resource transfer information carried in the resource transfer request is parsed and identified. The method of parsing and identifying the resource transfer information can be implemented in an existing manner, which will not be described in detail here.

[0070] Step 204, determining all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule.

[0071] Among them, the resource transfer channel can be understood as the path for resource transfer requests to be transmitted in the resource transfer request system, including resource transfer gateways, resource transfer processors, bank systems, etc. Resource transfer channels are responsible for executing resource transfer requests and transferring the resources to be transferred to the resource recipient to complete the resource transfer. The resource transfer channel can include multiple resource transfer channels to adapt to different payment methods and transaction scenarios. For example, the resource transfer channel is used as a payment channel to illustrate that different payment channels may adopt different risk assessment mechanisms, resulting in some transactions being mistakenly rejected. The success rate of the same payment method under different payment channels is also different, because different payment channels have different compatibility with the devices of the resource transferor and / or the resource recipient, and different payment channels set different resource transfer thresholds. Transactions that exceed the resource transfer threshold may not be successful. For another example, different payment methods have different promotion degrees in the corresponding payment channels, which will also affect the success rate of resource transfer. For another example, the use of different payment channels in different time periods will also affect the success rate of resource transfer.

[0072] It should be noted that in actual application scenarios, due to the needs of business scenarios and the reliability of resource transfer, the resource recipient has multiple resource transfer channels. Each resource transfer channel corresponds to different atomic routing rules, and the atomic routing rules include routing rules of different dimensions. For example, in the payment scenario, routing rules of different dimensions include rule equations of different categories. Different categories can be determined based on factors such as resource transfer time, custom data model rules, resource transfer success rate, and resource transfer cost. For example, the category can be but is not limited to the resource transfer value, the terminal type of the resource transfer initiator, and the resource transfer time.

[0073] The atomic routing rules can be determined according to the actual application scenario requirements, and the expression form of the atomic routing rules can be set according to different scenarios, which will not be elaborated here. For example, Gt ("greater than"), Lt ("less than"), Contain ("includes"), NotContain ("does not contain"), Eq ("equals") simply describe the atomic rule equation. Furthermore, each atomic routing rule has a corresponding effective time. Only within the effective time, the atomic routing rule is valid and can be used for rule equation judgment. The effective time of the atomic routing rule takes into account the periodic and seasonal characteristics of the conversion of commodities. Based on the periodic characteristics and / or seasonal characteristics, the corresponding effective time will be set for the atomic routing rules of the corresponding commodities. The effective time of the atomic routing rule can also be determined based on other factors, such as the regional location of the resource transferor. The specific types of factors affecting the effective time are not limited here.

[0074] In an exemplary embodiment, Figure 3As shown, a custom data model rule is provided, including existing models and new models. The existing model includes routing priority configuration, including id business unique number, clientId merchant number, accId store number, payMelthod payment method, routeType routing type, reRouteType re-throw routing type, flag identification bit, dreator creator, updater updater, created creation time and updated update time. The new model includes routing rules and routing rule condition sets. Routing rules include id business unique number, clientId merchant number, accId store number, payMelthod payment method, ruleName rule name, routeChannelCode routing decision channel code, routeChannelName routing decision channel name, ruleCondition rule condition set, sort order, routeCogfigId routing configuration id, effctTime effective time, flag identification bit, dreator creator, updater updater, created creation time and updated update time. The routing rule condition set includes factCode variable code, factName variable name, preValue preset value, relation judgment relationship (including equal, contain, >, <, etc.), and sort order.

[0075] Step 206: Determine the matching result between the resource transfer information and each atomic routing rule.

[0076] Each atomic routing rule includes different categories of judgment conditions, which may be, but are not limited to, at least one of weight, resource transfer value, terminal type of the resource transfer initiator, and resource transfer time. The category of the atomic routing rule is determined according to the information dimension of the resource transfer information.

[0077] Exemplarily, the resource transfer information is parsed to obtain metadata of all dimensions of each resource transfer information, and each atomic routing rule is detected to determine whether it is within the effective time period, and the effective atomic routing rule is determined according to the effective time of each atomic routing rule, and the effective atomic routing rule is formatted to obtain the corresponding rule chain, and the resource transfer information is matched with the effective atomic routing rule respectively to obtain the matching result between the resource transfer information and each effective atomic routing rule. Among them, the matching method can be but is not limited to rule equation judgment.

[0078] Furthermore, all resource transfer channels are preliminarily screened according to the resource transfer mode carried in the resource transfer information to obtain the resource transfer channel corresponding to the transfer mode, and then obtain the corresponding atomic routing rule.

[0079] Step 208: Determine a target resource transfer channel from all resource transfer channels according to all matching results.

[0080] It should be noted that all resource transfer channels have a default priority. The channel priority of the corresponding resource transfer channel will be determined based on the matching result between the resource transfer information and each valid atomic routing rule. Among them, for the same atomic routing rule, if the resource transfer information meets the judgment conditions of all categories under the atomic routing rule, it is determined that the resource transfer information matches the atomic routing rule. If there is at least one category that does not meet the conditions, it is determined that the resource transfer information does not match the atomic routing rule. For example, for the judgment condition of a certain type of resource in the category: resource transfer value>50, enter the resource transfer value judgment executor; during actual execution, it is determined whether the current resource transfer value is greater than 50. If it is, it is considered a hit, otherwise it is not a hit, and the current payment channel priority is reduced.

[0081] Exemplarily, according to all matching results, the channel priority of the corresponding resource transfer channel is determined from all resource transfer channels, and the target resource transfer channel is determined from all resource transfer channels based on the channel priority. Further, if there are multiple resource transfer channels with the same target at the same time, the multiple resource transfer channels with the same target can be sorted based on the default priority of all resource transfer channels to determine the final target resource transfer channel.

[0082] In the above-mentioned resource transfer channel determination method, when resource transfer is required, in response to a resource transfer request, the target resource transfer channel is determined from all resource transfer channels supported by the resource receiver according to the resource transfer information carried in the resource transfer request. That is to say, by matching the resource transfer information with the atomic routing rules of different dimensions, the optimal resource transfer channel is quickly determined, the efficiency of resource transfer is improved, and a more secure, efficient and reliable resource transfer service is provided. Furthermore, the most suitable channel is flexibly selected according to different resource transfer information to adapt to different scenario requirements.

[0083] In order to determine the best resource transfer channel, it is necessary to accurately determine the matching result between the resource transfer information and the atomic routing rules. Figure 4 As shown, step 206 includes steps 402 to 408. Among them:

[0084] Step 402: parse the resource transfer information to obtain metadata of multiple dimensions.

[0085] The metadata may be understood as transfer information of different dimensions in the resource transfer information. For example, the metadata may be but is not limited to at least one of a resource transfer value, a resource transfer time, a resource type, and a device type corresponding to the resource transfer.

[0086] Step 404: for each atomic routing rule, target metadata matching the judgment condition of each category is determined from the metadata.

[0087] Among them, each category of judgment conditions has its own corresponding judgment executor.

[0088] Exemplarily, for each atomic routing rule, the judgment conditions of all categories in each atomic routing rule are identified and determined, and the target metadata matching the judgment conditions of each category are determined from the metadata. The matching method corresponding to the metadata matching the category can be determined by directly comparing the value in the metadata with the judgment condition to check whether they are exactly the same, or by comparing the numerical data in the metadata with the range specified by the judgment condition to determine whether it falls within the specified range, etc.

[0089] Step 406, obtaining the intermediate matching result output by each judgment executor, where the intermediate matching result is the matching status between the target metadata and the judgment condition of the corresponding category.

[0090] Each judgment executor will judge whether the target metadata hits the judgment condition according to the corresponding judgment condition. For example, for atomic routing rule 1: if the resource type is the first type and the resource transfer value is greater than N, if this atomic routing rule 1 is satisfied, the resource transfer channel corresponding to atomic routing rule 1 is determined.

[0091] Exemplarily, the matching situation of the target metadata output by each judgment executor and the judgment condition of the corresponding category, that is, the hit situation, is obtained.

[0092] Step 408: Determine the matching result between the resource transfer information and each atomic routing rule according to all the intermediate matching results.

[0093] Exemplarily, for the same atomic routing rule, the matching result between the resource transfer information and each atomic routing rule is determined according to all intermediate matching results of the atomic routing rule.

[0094] In this embodiment, by parsing the resource transfer information, metadata of multiple dimensions are obtained, and the metadata of different dimensions are matched with the atomic routing rules. The metadata analysis method can accurately match the resource transfer information with the corresponding routing rules, which can reduce the decision-making time and improve efficiency. Furthermore, the multi-dimensional metadata allows the system to flexibly adapt to different resource transfer scenarios and conditions.

[0095] Optionally, in an exemplary embodiment, the matching result between the resource transfer information and each atomic routing rule is determined based on all intermediate matching results, including: if all intermediate matching results are matching, then the resource transfer information is determined to match the atomic routing rule. This approach ensures the accuracy of the matching between the resource transfer information and the routing rule, and reduces the possibility of incorrect routing.

[0096] The above method can sort all resource transfer channels and determine the order of resource transfer channels. In actual applications, the target resource transfer channel can be determined by the following methods:

[0097] In an exemplary embodiment, determining a target resource transfer channel from all resource transfer channels according to all matching results includes: determining priorities of all resource transfer channels according to the matching results; and determining a target resource transfer channel from all resource transfer channels according to the priorities.

[0098] It is understandable that only when the judgment conditions of all categories in an atomic routing rule are met can it be determined that the atomic routing rule is hit, that is, matched. For example, the atomic routing rules corresponding to the three resource transfer channels a, b, and c are sorted by default as a, b, and c. If a is not hit, the update sorting is b, c, and a. If c is hit, the update sorting is c, b, and a. Optionally, c can be directly determined as the target resource transfer channel based on the updated sorting of c, b, and a, and the resource transfer can be realized based on the target resource transfer channel c. The above method can quickly select the optimal channel from multiple channels, reduce decision-making time, and improve processing speed and the success rate of resource transfer.

[0099] In actual application scenarios, in order to ensure the accuracy of resource transfer, it is necessary to verify the validity of the resource transfer channel. In an exemplary embodiment, a method for determining a target resource transfer channel is provided, such as Figure 5 As shown, it includes steps 502 to 506, wherein:

[0100] Step 502: determine a resource transfer channel sequence based on priority sorting, and check each resource transfer channel in the resource transfer channel sequence in turn.

[0101] Among them, verification can be understood as verifying whether the resource transfer channel is available and whether it is in normal working state. Verification can be specifically but not limited to verifying at least one of MID (Merchant ID, merchant identification code), channel status, channel status and resource type. The merchant identification code is a number used to uniquely identify the merchant in the payment system. Verifying MID means verifying whether the merchant identification code in the resource transfer request is valid, whether it is consistent with the merchant's registration information, and whether it is authorized to use a specific payment channel. Channel status refers to the current operating status of the resource transfer channel, such as whether it is open, whether there are technical problems, whether it is under maintenance, etc. Verifying the channel status is to ensure that the selected resource transfer channel can process transactions normally. Channel status refers to the availability of the payment channel, which can include whether the channel is in an activated state, whether it receives transaction requests, and whether it can complete transactions. Resource type verification is to ensure that the resource type in the transaction request is consistent with the resource type accepted by the merchant, and whether the payment channel supports transactions of this resource type. The resource type can be but not limited to the currency type.

[0102] Exemplarily, in payment processing, it is necessary to verify whether the MID is consistent with the merchant's account information, whether the channel and channel status are normal, and whether the currency in the transaction request is supported by the payment channel. According to specific standards or conditions, available payment channels are screened from the priority-based resource transfer channel sequence, and those channels that do not meet the requirements are excluded to obtain an available resource transfer channel sequence, and each available resource transfer channel in the available resource transfer channel sequence is verified, which can be, but not limited to, verifying at least one of the MID (Merchant ID, merchant identification code), channel status, channel status, and resource type.

[0103] Step 504: If there is a valid resource transfer channel in the resource transfer channel sequence, then the valid resource transfer channel is added to the selected channel list.

[0104] Exemplarily, if there is a valid resource transfer channel in the resource transfer channel sequence, the valid resource transfer channel is added to the selected channel list; if not, an exception is thrown.

[0105] Step 506: Determine the target resource transfer channel from the selected channel list.

[0106] Exemplarily, determining the target resource transfer channel from the selected channel list may be based on the channel priority in the selected channel list. Further, in the event of an exception, in order to ensure the continuity of the transaction, an alternative resource transfer channel may be sought through the payment gateway to ensure the continuity of the transaction. Alternatively, the target resource transfer channel may be determined from the specified resource transfer channels based on a default weight setting.

[0107] In the above manner, when determining the target resource transfer channel, the target resource transfer channel is determined by verifying the MID, channel status, channel status and resource type, thereby ensuring the accuracy and compliance of resource transfer.

[0108] In the case of cross-regional resource transfer, based on the above-mentioned method to determine the target resource transfer channel, further risk control management is required to ensure the stability, security and compliance of resource transfer. In an exemplary embodiment, the business order corresponding to the resource transfer request is obtained; the business order is detected for anomalies, and if there is no anomaly in the business order, the resource is transferred via the target resource transfer channel. Among them, anomaly detection can be, but is not limited to, whether the business order has a verification risk, and its anomaly detection can be, but is not limited to, achieved through a trained risk control model.

[0109] In an exemplary embodiment, an application flow chart of the resource transfer channel determination method is provided, and the application in a payment scenario is used as an example. Figure 6 As shown, according to case: V2 / V3 / V4, that is, the second / third / fourth generation network protocol payment, dynamic routing calculation is required, including building routing elements, sd channel initial screening (payment channel initial screening), sd channel sorting, sd channel priority configuration, sd has routing priority configuration for the current payment method, sd has routing rules that match the payment method, sd has existing routeType sorting, sd

[0110] And build risk control consultation input parameters, conduct risk control consultation, and on the basis of completing dynamic routing calculation, store the local payment order in the database, call the determined payment channel for payment, update the payment result, and then perform re-throw / retry judgment, and return the transaction payment result of V2 / V3 / V4.

[0111] Specifically, in response to a payment request, a routing element is constructed, all available payment channels of the merchant are queried, and a list of available channels of the merchant is returned. On this basis, it is determined whether the initially screened channel list is empty. If it is empty, an exception is thrown. If it is not empty, the payment channels are sorted, specifically by querying the routing priority configuration configured by the user (i.e., the routing priority configuration configured for the merchant), and returning the user routing priority configuration. In the case where a routing priority configuration exists, if there is a routing priority configuration for the payment method carried by the current payment request, the routing rules are queried according to the specified routing priority configuration id, and the routing rules are returned; in the case where sd has a routing rule that matches the payment method, it is sorted according to the routing rules. If the sorting result is not empty, the sorting result is returned. If there is no routing priority configuration or the result is empty when the routing priority configuration exists, the priority of the default payment channel is determined according to the existing routing type, that is, it is sorted according to the weight of each preset payment channel.

[0112] After the payment channels are ranked, the validity of the payment channels is checked, including channel filtering cof / specified channel transaction filtering. If there is no available payment channel after filtering, an exception is thrown. If there is an available payment channel, at least one of the MID (Merchant ID), channel status, channel status and currency is checked. If there is a valid payment channel, it is added to the payment channel list. If not, an exception is thrown. Construct risk control consultation input parameters and conduct risk control consultation. If there is no risk, the local payment order is stored in the database, the determined payment channel is called for payment, the payment result is updated, and then a re-throw / retry judgment is made, and the transaction payment result of V2 / V3 / V4 is returned. If there is a risk, a high-risk transaction is thrown. For example, the payment platform provides two A and B payment channels for AAA merchant VISA cards. The operation has established the following for merchants through the business development status of merchants in different regions, the success rate analysis of merchant order amounts in different dimensions, and the user card bin distribution analysis:

[0113] a. If the user's card bin is "JP, US, CA, AU, VN, TW, IN, MX, PH, SA, SG, PK, TH, NZ, HK, JO", the weight is 100% routed to payment channel A.

[0114] b. If the card bin is "GB, DE, FR, IT, TR, CH, IE, ES, RO, GR, NL, PL, NO" and the amount is greater than 110USD, the weight is 50% and the payment channel A is routed.

[0115] In the above embodiment, there are more detailed rule distinctions for payment channel routing. By establishing rules of different dimensions, more accurate routing of payment channels is achieved, the merchant payment success rate is improved, and the soundness of payment channel routing is improved, no longer relying on simple logical routing. At the same time, atomic rule templates are added to achieve subsequent horizontal expansion capabilities.

[0116] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, 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 can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0117] Based on the same inventive concept, the embodiment of the present application also provides a resource transfer channel determination device for implementing the resource transfer channel determination method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more resource transfer channel determination device embodiments provided below can refer to the above limitations on the resource transfer channel determination method, and will not be repeated here.

[0118] In an exemplary embodiment, Figure 7 As shown, a resource transfer channel determination device is provided, including: a data processing module 702, a transfer channel acquisition module 704, a matching module 706 and a transfer channel determination module 708, wherein:

[0119] The data processing module 702 is used to respond to the resource transfer request and determine the resource transfer information carried in the resource transfer request, where the resource transfer information includes a resource recipient and a resource transfer method.

[0120] The transfer channel acquisition module 704 is used to determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule.

[0121] The matching module 706 is used to determine the matching result between the resource transfer information and each atomic routing rule.

[0122] The transfer channel determination module 708 is used to determine a target resource transfer channel from all resource transfer channels according to all matching results.

[0123] The above-mentioned resource transfer channel determination device, in the case where resource transfer is required, responds to a resource transfer request, and determines the target resource transfer channel from all resource transfer channels supported by the resource receiver according to the resource transfer information carried in the resource transfer request. That is, by matching the resource transfer information with the atomic routing rules of different dimensions, the optimal resource transfer channel is quickly determined, the efficiency of resource transfer is improved, and a more secure, efficient and reliable resource transfer service is provided. Furthermore, the most suitable channel is flexibly selected according to different resource transfer information to adapt to different scenario requirements.

[0124] In an exemplary embodiment, the atomic routing rule includes judgment conditions of multiple categories, and each category of judgment conditions has a corresponding judgment executor. The matching module 706 is also used to parse the resource transfer information to obtain metadata of multiple dimensions;

[0125] For each atomic routing rule, determine the target metadata that matches the judgment condition of each category from the metadata;

[0126] Obtaining the intermediate matching result output by each judgment executor, where the intermediate matching result is the matching status of the target metadata and the judgment condition of the corresponding category;

[0127] According to all intermediate matching results, the matching result between the resource transfer information and each atomic routing rule is determined.

[0128] In an exemplary embodiment, the matching module 706 is further configured to determine that the resource transfer information matches the atomic routing rule if all intermediate matching results are matches.

[0129] In an exemplary embodiment, the transfer channel determination module 708 is further configured to determine the priorities of all resource transfer channels according to the matching results;

[0130] According to the priority, a target resource transfer channel is determined from all resource transfer channels.

[0131] In an exemplary embodiment, the transfer channel determination module 708 is further configured to determine a resource transfer channel sequence based on priority, and sequentially verify each resource transfer channel in the resource transfer channel sequence;

[0132] If there is a valid resource transfer channel in the resource transfer channel sequence, the valid resource transfer channel is added to the selected channel list;

[0133] Determine the target resource transfer channel from the Selected Channels list.

[0134] In an exemplary embodiment, the resource transfer channel determination device further includes an anomaly detection module and a resource transfer module, wherein:

[0135] The anomaly detection module is used to obtain the business order corresponding to the resource transfer request and perform anomaly detection on the business order.

[0136] The resource transfer module is used to transfer resources via a target resource transfer channel if there is no abnormality in the business order.

[0137] Each module in the above-mentioned resource transfer channel determination device can be implemented in whole or in part by software, hardware and a combination thereof. Each of the above-mentioned modules can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0138] In an exemplary embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as shown in FIG. Figure 8 As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. 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 database of the computer device is used to store resource transfer data. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication 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, a method for determining a resource transfer channel is implemented.

[0139] Those skilled in the art will understand that Figure 8 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0140] In an exemplary embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above-mentioned method embodiments when executing the computer program.

[0141] In an exemplary 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 steps in the above-mentioned method embodiments are implemented.

[0142] In an exemplary embodiment, a computer program product is provided, including a computer program, and when the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0143] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0144] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and 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-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile memory and volatile memory. 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), magnetic 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. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0145] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, 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, they should be considered to be within the scope of this application.

[0146] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for determining a resource transfer channel, characterized in that: The method comprises: In response to a resource transfer request, determining resource transfer information carried in the resource transfer request, the resource transfer information including a resource recipient and a resource transfer method; Determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule; Determining a matching result between the resource transfer information and each of the atomic routing rules; A target resource transfer channel is determined from all the resource transfer channels according to all the matching results.

2. The method according to claim 1, characterized in that: The atomic routing rule includes judgment conditions of multiple categories, and each category of the judgment condition has a corresponding judgment executor. The determining of the matching result between the resource transfer information and each of the atomic routing rules includes: Parsing the resource transfer information to obtain metadata of multiple dimensions; For each of the atomic routing rules, respectively determining target metadata matching the judgment condition of each category from the metadata; Obtaining an intermediate matching result output by each of the judgment executors, wherein the intermediate matching result is a matching condition between the target metadata and the judgment condition of the corresponding category; According to all the intermediate matching results, a matching result between the resource transfer information and each of the atomic routing rules is determined.

3. The method according to claim 2, characterized in that The step of determining the matching result between the resource transfer information and each of the atomic routing rules according to all the intermediate matching results includes: If all the intermediate matching results are matches, it is determined that the resource transfer information matches the atomic routing rule.

4. The method according to claim 1, characterized in that: The step of determining a target resource transfer channel from among all the resource transfer channels according to all the matching results includes: Determining the priorities of all resource transfer channels according to the matching results; According to the priority, a target resource transfer channel is determined from all the resource transfer channels.

5. The method according to claim 4, characterized in that The step of determining a target resource transfer channel from among all resource transfer channels according to the priority level includes: Determine a resource transfer channel sequence based on the priority sorting, and verify each resource transfer channel in the resource transfer channel sequence in turn; If there is a valid resource transfer channel in the resource transfer channel sequence, adding the valid resource transfer channel to the selected channel list; A target resource transfer channel is determined from the selected channel list.

6. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: Obtaining a business order corresponding to the resource transfer request; An abnormality detection is performed on the business order, and if there is no abnormality in the business order, resource transfer is performed via the target resource transfer channel.

7. A resource transfer channel determination device, characterized in that: The device comprises: A data processing module, configured to determine, in response to a resource transfer request, resource transfer information carried in the resource transfer request, wherein the resource transfer information includes a resource recipient and a resource transfer method; A transfer channel acquisition module, used to determine all resource transfer channels corresponding to the resource receiver; wherein each resource transfer channel has a corresponding atomic routing rule; A matching module, used to determine a matching result between the resource transfer information and each of the atomic routing rules; The transfer channel determination module is used to determine a target resource transfer channel from all the resource transfer channels according to all the matching results.

8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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