Wine high-concurrency fund payment method, system and device and medium

Abstract

The invention discloses a liquor high-concurrency fund payment method, system and device and a medium, belongs to the technical field of data processing, and aims to solve the technical problem of how to improve the processing capacity and response speed of a payment platform, improve the payment experience of consumers, realize unified management and fund distribution in a distribution mode and improve the payment efficiency. The adopted technical scheme is as follows: order payment request: a client initiates a payment request through an API gateway, the request is routed to a corresponding payment service node, and the payment service node stores order information in a database and caches the order information in redis at the same time, so that the order information can be directly obtained from the redis during subsequent use; receiving payment information of the user, verifying the payment information, calling a risk control module to carry out risk assessment, judging whether the transaction is safe or not, initiating a payment request to a payment channel selected by the user according to the payment channel, and recording bill information in a database at the same time; transaction processing; and order signing: asynchronously notifying a bank to classify funds to a store or an enterprise.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, in particular to a method, system, equipment and medium for high-concurrency payment of alcoholic beverages. Background Art

[0002] With the rapid development of e-commerce, alcohol transactions are gradually migrating to online platforms, and users' requirements for payment speed and system stability are constantly increasing. Traditional payment systems are prone to performance bottlenecks in high-concurrency scenarios, resulting in transaction failures or delays, affecting user experience.

[0003] Existing payment systems include Alipay, WeChat, Cloud QuickPass, JD.com, etc. These payment systems are isolated from each other and cannot communicate with each other, making it impossible to achieve unified management of accounts. At the same time, the existing payment system cannot achieve the distribution of alcoholic products. The so-called distribution means that the wine sold by the store is not the store's wine. These wines are deposited in the store by the company and asked to help the store sell them. Therefore, the distribution model involves the allocation of funds, and the traditional payment system cannot achieve automatic allocation of funds.

[0004] Therefore, how to improve the processing capacity and response speed of the payment platform, improve consumers' payment experience, and at the same time achieve unified management and allocation of funds under the distribution model is a technical problem that needs to be solved urgently. Summary of the invention

[0005] The technical task of the present invention is to provide a high-concurrency payment method, system, equipment and medium for wine, so as to solve the problem of how to improve the processing capacity and response speed of the payment platform, improve the payment experience of consumers, and realize unified management and allocation of funds under the distribution model.

[0006] The technical task of the present invention is achieved in the following way: a method for high-concurrency payment of alcoholic beverages, which is specifically as follows:

[0007] Order payment request: The client initiates a payment request through the API gateway, which routes the request to the corresponding payment service node. The payment service node saves the order information to the database and caches it in redis so that it can be directly obtained from redis for subsequent use, thereby improving concurrency efficiency.

[0008] Receive user payment information: verify payment information, call the risk control module to conduct risk assessment, determine whether the transaction is safe, and then initiate a payment request to the payment channel selected by the user, while recording the bill information in the database;

[0009] Transaction processing: After the user pays successfully, the bill is marked as successfully paid, and the payment order information is asynchronously notified to the bank. At the same time, the payment result is returned to the client through the API;

[0010] Order receipt: asynchronously notify the bank to transfer funds to the store or enterprise, as follows:

[0011] If the products in the order are sold by the store on behalf of the enterprise, the corresponding commission will be allocated to the store account according to the service fee ratio, and the remaining funds will be allocated to the enterprise.

[0012] Preferably, the method further includes abnormal task processing, which is as follows:

[0013] After the transaction is successful, if the non-core payment task notifying the bank fails, the failed task will be automatically processed through a scheduled task to ensure normal business operation.

[0014] Preferably, the method further includes asynchronous task distribution, as follows:

[0015] After the transaction is successful, the subsequent transaction notifications and non-core payment tasks of reconciliation are distributed to the asynchronous task processing module through the message queue to avoid blocking the main transaction process.

[0016] Preferably, the asynchronous task processing module is used to process non-core payment tasks such as notification, bill generation and reconciliation through an asynchronous processing mechanism and message queue, thereby reducing the load on the main transaction process and improving concurrent processing capabilities.

[0017] Preferably, the risk control module uses big data analysis and machine learning algorithms to monitor abnormal payments and fraud risk behaviors in transactions in real time. Once an abnormal payment is detected, the transaction will be suspended immediately to ensure the safety of funds.

[0018] A high-concurrency fund payment system for alcohol, the system comprising:

[0019] The order management module is used to process and store order information through asynchronous task queues and distributed lock technology;

[0020] Payment processing module, used to asynchronously process payment requests through message queues;

[0021] Database module, used to store order and payment information using a high-performance distributed database;

[0022] The reconciliation module is used to automatically identify and mark differences in reconciliation using data comparison and matching algorithms, and provide query and processing of transaction errors;

[0023] Security module, used to implement multiple security mechanisms to protect user data and transaction security.

[0024] Preferably, the system also includes a load balancing module for distributing user requests among multiple servers to improve server availability and response speed.

[0025] Preferably, the payment processing module includes a fund deduction submodule for initiating a fund deduction request to the payment platform and updating the order status according to the returned result.

[0026] Preferably, the security module includes a data encryption submodule, an identity authentication submodule and a rights management submodule;

[0027] Among them, the data encryption submodule is used to encrypt user data and transaction data;

[0028] The authentication submodule is used to verify the user's identity;

[0029] The permission management submodule is used to manage user permissions.

[0030] Preferably, the system also adopts fault tolerance and degradation mechanism, as follows:

[0031] When a network failure occurs or any of the order management module, payment processing module, database module, reconciliation module, and security module fails, the request will be transferred to other available nodes through a rapid detection and automatic switching mechanism; at the same time, non-core tasks such as notification, bill generation, and reconciliation will be automatically downgraded according to traffic conditions, giving priority to ensuring the stable operation of the core payment process.

[0032] The high-concurrency payment method, system, device and medium for alcoholic beverages of the present invention have the following advantages:

[0033] (I) The present invention is based on a distributed high-concurrency fund payment method, which reduces transaction time, effectively improves the system's processing capacity and response speed, and improves consumers' payment experience; at the same time, by integrating the existing payment system, it realizes the unified management of accounts and the allocation of funds under the distribution model;

[0034] (II) The purpose of the present invention is to provide an efficient and secure high-concurrency payment system for alcohol, aiming to solve the performance bottlenecks, security risks, account management and automatic fund allocation problems of the current traditional payment system in high-concurrency scenarios; the details are as follows:

[0035] ① Improve processing capabilities: By adopting a distributed architecture and asynchronous processing mechanism, the system's transaction processing capabilities under high concurrency conditions are significantly improved, ensuring that users can complete payments smoothly;

[0036] ② Optimize user experience: provide fast and stable payment processes, reduce transaction delays and failure rates, thereby improving user satisfaction and platform competitiveness;

[0037] ③ Ensure transaction security: Implement multiple security measures to ensure the security of user information and funds and reduce risks during transactions;

[0038] ④Flexible expansion: The design supports flexible expansion capabilities to cope with growing user demand and transaction volume and adapt to market changes;

[0039] ⑤Open up various payment channels to help wine companies achieve unified accounting management;

[0040] ⑥Connect with banks to realize automatic allocation of funds under the distribution model;

[0041] Through the above objectives, the present invention hopes to promote the development of the wine e-commerce industry and improve overall transaction efficiency and user trust;

[0042] (III) The present invention can maintain high availability, accuracy and security of fund payment in high-concurrency scenarios. Through the combination of distributed architecture design, cache optimization, asynchronous processing, concurrency control and fault-tolerant mechanism, it ensures that transactions can be processed quickly under massive concurrent payment requests to prevent fund confusion or system crash. At the same time, it realizes the unified management of accounts and the allocation of funds in the distribution model.

[0043] (IV) The present invention adopts a distributed microservice architecture to separate various functional modules (such as order, payment processing, account management, notification services, etc.), and independently deploy and expand them. Each service module interacts with each other through message queues to improve the concurrent processing capability of the system;

[0044] (V) The present invention adopts a distributed database solution to store order data, transaction records and other data in multiple database nodes, thereby achieving horizontal expansion of the database and preventing the centralized database from becoming a system bottleneck in high-concurrency scenarios;

[0045] (VI) The present invention designs a global load balancing module, which ensures load balancing of each node by dynamically allocating a large number of concurrent requests to multiple server nodes; the load balancing module adopts multiple strategy mechanisms, such as polling, minimum number of connections, response time, etc., to optimize request allocation;

[0046] (VII) The core payment processing module of the present invention ensures the fund security and transaction consistency when multiple users and multiple payment requests are made simultaneously through asynchronous task queues and distributed lock technology; the key steps of the transaction (such as ordering, payment, fund settlement, etc.) adopt optimistic locks and distributed transaction management to prevent fund confusion or duplicate payment problems;

[0047] (VIII) The present invention introduces a distributed cache system (such as Redis) to cache high-frequency query data (such as account balances and transaction details), avoid frequent access to the database, and improve the response speed of the system; at the same time, the cache is set with an invalidation mechanism to ensure the consistency and real-time performance of the data;

[0048] (IX) High concurrent processing capability: The present invention adopts a distributed architecture design, combined with load balancing, asynchronous processing and caching mechanisms, which can maintain high availability and fast response of the system under massive concurrent requests;

[0049] (10) Fund security and consistency: Through distributed transactions and locking mechanisms, ensure the security and consistency of fund operations in high-concurrency scenarios to prevent fund loss or duplicate payment problems;

[0050] (XI) Flexible scalability: It can be flexibly expanded according to business needs, supporting the rapid addition or reduction of nodes to ensure that the system remains stable during business peak periods;

[0051] (XII) Funds allocation: When an order is signed for, the order receipt information is notified to the bank, and the bank allocates the funds for the order, ensuring the automatic allocation of funds;

[0052] (XIII) Unified Account Management: Unified account management is achieved by saving the billing information of various payment channels into the payment system. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] The present invention is further described below in conjunction with the accompanying drawings.

[0054] Attached Figure 1 Schematic diagram of the high-concurrency funding payment method for alcohol. DETAILED DESCRIPTION

[0055] The high-concurrency payment method, system, device and medium for alcoholic beverages of the present invention are described in detail below with reference to the accompanying drawings and specific embodiments of the specification.

[0056] Embodiment 1:

[0057] As attached Figure 1 As shown, this embodiment provides a method for high-concurrency payment of alcoholic beverages, and the method is specifically as follows:

[0058] S1. Order payment request: The client initiates a payment request through the API gateway and routes the request to the corresponding payment service node. The payment service node saves the order information to the database and caches it in redis so that it can be directly obtained from redis for subsequent use, thereby improving concurrency efficiency.

[0059] S2. Receive user payment information: Verify payment information and call the risk control module to conduct risk assessment to determine whether the transaction is safe. Then, based on the payment channel selected by the user, initiate a payment request to the payment channel and record the bill information in the database.

[0060] S3, transaction processing: After the user pays successfully, the bill is marked as successfully paid, and the payment order information is asynchronously notified to the bank. At the same time, the payment result is returned to the client through the API;

[0061] S4. Order receipt: Asynchronously notify the bank to transfer the funds to the store or enterprise, as follows:

[0062] If the products in the order are sold by the store on behalf of the enterprise, the corresponding commission will be allocated to the store account according to the service fee ratio, and the remaining funds will be allocated to the enterprise.

[0063] This embodiment also includes abnormal task processing, which is as follows:

[0064] After the transaction is successful, if the non-core payment task notifying the bank fails, the failed task will be automatically processed through a scheduled task to ensure normal business operation.

[0065] This embodiment also includes asynchronous task distribution, which is as follows:

[0066] After the transaction is successful, the subsequent transaction notifications and non-core payment tasks of reconciliation are distributed to the asynchronous task processing module through the message queue to avoid blocking the main transaction process.

[0067] The asynchronous task processing module in this embodiment is used to process non-core payment tasks such as notification, bill generation and reconciliation through an asynchronous processing mechanism and a message queue, thereby reducing the load of the main transaction process and improving concurrent processing capabilities.

[0068] The risk control module in this embodiment uses big data analysis and machine learning algorithms to monitor abnormal payments and fraud risk behaviors in transactions in real time. Once an abnormal payment is detected, the transaction is immediately suspended to ensure the safety of funds.

[0069] Embodiment 2:

[0070] This embodiment provides a high-concurrency fund payment system for alcohol, the system comprising:

[0071] The order management module is used to process and store order information through asynchronous task queues and distributed lock technology;

[0072] Payment processing module, used to asynchronously process payment requests through message queues;

[0073] Database module, used to store order and payment information using a high-performance distributed database;

[0074] The reconciliation module is used to automatically identify and mark differences in reconciliation using data comparison and matching algorithms, and provide query and processing of transaction errors;

[0075] Security module, used to implement multiple security mechanisms to protect user data and transaction security.

[0076] This embodiment also includes a load balancing module for distributing user requests among multiple servers to improve server availability and response speed.

[0077] The payment processing module in this embodiment includes a fund deduction sub-module, which is used to initiate a fund deduction request to the payment platform and update the order status according to the returned result.

[0078] The security module in this embodiment includes a data encryption submodule, an identity authentication submodule and a rights management submodule;

[0079] Among them, the data encryption submodule is used to encrypt user data and transaction data;

[0080] The authentication submodule is used to verify the user's identity;

[0081] The permission management submodule is used to manage user permissions.

[0082] This embodiment also adopts a fault tolerance and degradation mechanism, which is as follows:

[0083] When a network failure occurs or any of the order management module, payment processing module, database module, reconciliation module, and security module fails, the request will be transferred to other available nodes through a rapid detection and automatic switching mechanism; at the same time, non-core tasks such as notification, bill generation, and reconciliation will be automatically downgraded according to traffic conditions, giving priority to ensuring the stable operation of the core payment process.

[0084] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present invention.

Claims

1. A high-concurrency payment method for alcoholic beverages, characterized in that: The method is as follows: Order payment request: The client initiates a payment request through the API gateway, which routes the request to the corresponding payment service node. The payment service node saves the order information to the database and caches it in redis so that it can be directly obtained from redis for subsequent use; Receive user payment information: verify payment information, call the risk control module to conduct risk assessment, determine whether the transaction is safe, and then initiate a payment request to the payment channel selected by the user, while recording the bill information in the database; Transaction processing: After the user pays successfully, the bill is marked as successfully paid, and the payment order information is asynchronously notified to the bank. At the same time, the payment result is returned to the client through the API; Order receipt: asynchronously notify the bank to transfer funds to the store or enterprise, as follows: If the products in the order are sold by the store on behalf of the enterprise, the corresponding commission will be allocated to the store account according to the service fee ratio, and the remaining funds will be allocated to the enterprise.

2. The high-concurrency payment method for alcohol according to claim 1 is characterized in that: The method also includes abnormal task processing, as follows: After the transaction is successful, if the non-core payment task notifying the bank fails, the failed task will be automatically processed through a scheduled task to ensure normal business operation.

3. The high-concurrency payment method for alcohol according to claim 1 is characterized in that: The method also includes asynchronous task distribution, as follows: After the transaction is successful, the subsequent transaction notifications and non-core payment tasks of reconciliation are distributed to the asynchronous task processing module through the message queue to avoid blocking the main transaction process.

4. The high-concurrency payment method for alcohol according to claim 3 is characterized in that: The asynchronous task processing module is used to process non-core payment tasks such as notification, bill generation and reconciliation through asynchronous processing mechanisms and message queues, thereby reducing the load on the main transaction process and improving concurrent processing capabilities.

5. The high-concurrency payment method for alcohol according to claim 1 is characterized in that: The risk control module uses big data analysis and machine learning algorithms to monitor abnormal payments and fraud risk behaviors in transactions in real time. Once abnormal payments are detected, the transaction will be suspended immediately.

6. A high-concurrency payment system for alcoholic beverages, characterized in that: The system includes: The order management module is used to process and store order information through asynchronous task queues and distributed lock technology; Payment processing module, used to asynchronously process payment requests through message queues; Database module, used to store order and payment information using a high-performance distributed database; The reconciliation module is used to automatically identify and mark differences in reconciliation using data comparison and matching algorithms, and provide query and processing of transaction errors; Security module, used to implement multiple security mechanisms to protect user data and transaction security.

7. The high-concurrency payment system for alcoholic beverages according to claim 6, characterized in that: The system also includes a load balancing module for distributing user requests among multiple servers to improve server availability and response speed.

8. The high-concurrency payment system for alcoholic beverages according to claim 6, characterized in that: The payment processing module includes a fund deduction sub-module, which is used to initiate a fund deduction request to the payment platform and update the order status based on the returned result.

9. The high-concurrency payment system for alcoholic beverages according to claim 6, characterized in that: The security module includes a data encryption submodule, an identity authentication submodule and a rights management submodule; Among them, the data encryption submodule is used to encrypt user data and transaction data; The authentication submodule is used to verify the user's identity; The permission management submodule is used to manage user permissions.

10. The high-concurrency payment system for alcoholic beverages according to any one of claims 6 to 9, characterized in that: The system also adopts fault tolerance and degradation mechanisms, as follows: When a network failure occurs or any of the order management module, payment processing module, database module, reconciliation module, and security module fails, the request will be transferred to other available nodes through a rapid detection and automatic switching mechanism; at the same time, non-core tasks such as notification, bill generation, and reconciliation will be automatically downgraded according to traffic conditions, giving priority to ensuring the stable operation of the core payment process.

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