Transaction order processing method and system, electronic equipment and storage medium

Abstract

The invention relates to a transaction order processing method and system, electronic equipment and a storage medium. The method comprises the following steps: acquiring a target transaction order and a payment channel set; determining a target screening strategy set and a target transaction parameter carried in the target transaction order; screening out a first screening result matched with the target transaction parameter from the plurality of payment channels; screening out a second screening result matched with the target screening strategy set from the first screening result; determining a payment channel meeting a priority condition in the second screening result as a target payment channel; and performing transaction processing on the target transaction order based on the target payment channel. According to the technical scheme provided by the invention, screening is carried out according to the target transaction parameter and the target screening strategy set, the payment channel meeting the current transaction requirement can be screened out from the multiple payment channels, the payment channel selection accuracy is improved, the transaction failure rate is effectively reduced, and the overall payment performance and transaction success rate of the system are enhanced.

Description

Technical Field

[0001] The present disclosure relates to the field of electronic payment systems and financial transaction processing, and in particular to a transaction order processing method, system, electronic device and storage medium. Background Art

[0002] With the rapid development of e-commerce and online payment services, especially in the context of different payment scenarios and transaction requirements, payment systems need to flexibly select payment channels based on various parameters to ensure smooth transaction completion. In existing payment systems, the selection of payment channels usually involves multiple factors, including payment methods, payment products, merchant attributes, etc. The selection of payment channels directly affects the success rate of transactions, the efficiency of system operation, and the user's payment experience.

[0003] At present, the payment channel selection in the payment system is mainly based on a fixed configuration method, which has certain limitations when facing a complex transaction environment. For example, the parameters of a transaction order may involve different payment methods, different currencies and transaction amounts. A single priority configuration method is difficult to fully cope with these changing requirements, which can easily lead to improper payment channel selection, thereby affecting the success rate of transactions and the overall stability of the system. In addition, the reliability of the payment system depends to a large extent on the accurate selection and real-time adjustment of the payment channel. However, since the status and service capabilities of the payment channel may change at any time, such as channel maintenance, fluctuations in network conditions, etc., the existing technology lacks a flexible screening mechanism to dynamically adjust the selection of the payment channel, which makes it difficult for the payment system to cope with the real-time changes in the status of the payment channel, resulting in the failure of processing some transaction orders. Especially in the case of multiple payment channels coexisting and complex payment requirements, the inaccuracy of channel selection and the lack of dynamic adjustment capabilities may further lead to a decline in payment experience. Summary of the invention

[0004] The present disclosure provides a transaction order processing method, system, electronic device and storage medium to at least solve the problem of how to flexibly select payment channels to meet transaction needs in the related art. The technical solution of the present disclosure is as follows: According to a first aspect of an embodiment of the present disclosure, a transaction order processing method is provided, including: Obtaining a target transaction order and a payment channel set; the payment channel set includes multiple payment channels; Determine a target screening strategy set and a target transaction parameter carried in the target transaction order; the target screening strategy set refers to a screening strategy dynamically configured for the target transaction order; Filtering out a first screening result matching the target transaction parameter from the multiple payment channels; the first screening result includes at least one payment channel; Screening out second screening results that match the target screening strategy set from the first screening results; Determining a payment channel that meets a priority condition in the second screening result as a target payment channel; The target transaction order is processed based on the target payment channel.

[0005] According to a second aspect of an embodiment of the present disclosure, a transaction order processing system is provided, including: An acquisition module, used to acquire a target transaction order and a payment channel set; the payment channel set includes multiple payment channels; A parameter and set determination module, used to determine a target screening strategy set and a target transaction parameter carried in the target transaction order; the target screening strategy set refers to a screening strategy dynamically configured for the target transaction order; A first determining module, configured to screen out a first screening result matching the target transaction parameter from the plurality of payment channels; the first screening result includes at least one payment channel; A second determining module, configured to select a second screening result matching the target screening strategy set from the first screening result; a channel determination module, configured to determine a payment channel that satisfies a priority condition in the second screening result as a target payment channel; A transaction module is used to perform transaction processing on the target transaction order based on the target payment channel.

[0006] According to a third aspect of an embodiment of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is configured to execute the instructions to implement a method as described in any one of the above-mentioned first aspects.

[0007] According to a fourth aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided. When instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute any method described in the first aspect of the embodiment of the present disclosure. According to a fifth aspect of an embodiment of the present disclosure, a computer program product is provided, comprising computer instructions, which, when executed by a processor, enable a computer to execute any one of the methods described in the first aspect of an embodiment of the present disclosure.

[0008] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects: By obtaining the target transaction order and payment channel set, all payment channels can be matched with the transaction attributes of the order, ensuring that the payment channel is available during the entire transaction process, improving the basic accuracy of payment channel selection, and reducing the participation of invalid payment channels; by determining the target screening strategy set and target transaction parameters, the selection of payment channels can be dynamically adjusted according to the specific attributes of the target transaction order, improving the pertinence and flexibility of payment channel screening; After obtaining the payment channel set, a preliminary screening is performed using the target transaction parameters to obtain the first screening result, thereby reducing payment channels that do not meet the requirements and improving the efficiency of subsequent screening and sorting; a second screening result that matches the target screening strategy set is screened out from the first screening result, so that the screened payment channels meet all strategy requirements and improve the success rate of the transaction; by determining the target payment channel according to the priority conditions in the second screening result, the payment channel that meets the current transaction requirements is given priority, making the selection of the payment channel more flexible; based on the target payment channel, the target transaction order is processed, and the payment request can be processed in time according to the appropriate payment channel to complete the transaction smoothly.

[0009] In summary, the present invention ensures the selection of payment channels and the completion of transactions by multiple screening and priority sorting of target transaction orders and payment channels, thereby improving the transaction success rate, reducing the risk of failure, and optimizing the system operation efficiency.

[0010] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.

[0012] Figure 1 It is a schematic diagram of an application environment according to an exemplary embodiment.

[0013] Figure 2 The present invention is a flowchart of a transaction order processing method according to an exemplary embodiment.

[0014] Figure 3 The present invention is a flowchart showing a method of obtaining a first screening result through screening according to an exemplary embodiment.

[0015] Figure 4 The present invention is a flowchart showing a method of obtaining a second screening result through screening according to an exemplary embodiment.

[0016] Figure 5The present invention is a block diagram of a transaction order processing system according to an exemplary embodiment.

[0017] Figure 6 It is a block diagram of an electronic device for transaction order processing according to an exemplary embodiment. DETAILED DESCRIPTION

[0018] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.

[0019] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0020] See also Figure 1 , Figure 1 is a schematic diagram of an application environment according to an exemplary embodiment. Figure 1 As shown, the application environment may include a transaction order processing system 10 , an external data source 20 , and a terminal device 30 .

[0021] The transaction order processing system 10 can be used to process transaction orders and dynamically select appropriate payment channels. The transaction order processing system 10 can include multiple subsystems, including an order management system 11, a channel selection system 12, a transaction execution system 13, a script management system 14, and a data call system 15. The order management system 11 can be used to obtain and manage submitted transaction order information, and pass relevant information to the channel selection system 12; the channel selection system 12 can select a payment channel that meets the current transaction requirements based on the transaction parameters and screening strategies carried in the transaction order; the transaction execution system 13 can be used to execute the processing of transaction orders based on the target payment channel; the script management system 14 can be used to manage and execute dynamic scripts; the data call system 15 can be used to obtain information related to payment channel selection from an external data source 20.

[0022] The external data source 20 can be used to provide external information related to the selection of payment channels, such as the real-time service status of the payment channels, network conditions, transaction statistics, etc. The external data source 20 can include a banking system, a third-party payment platform, etc. The transaction order processing system 10 can interact with the external data source 20 through the data calling system 15 to obtain the real-time status of the payment channels and other external data, so as to optimize and dynamically adjust the selection of payment channels.

[0023] The terminal device 30 can be used to submit a transaction request, and the terminal device 30 can be a computer, a mobile device, or other device with networking capabilities. The terminal device 30 can be used to submit a transaction order to the transaction order processing system 10 so that the system can process the transaction order. The terminal device 30 can achieve real-time data transmission and feedback with the transaction order processing system 10 through a network connection.

[0024] In addition, through the collaborative work of the script management system 14 and the data call system 15, the real-time status and feedback information of the payment channel can be obtained, the payment channel screening strategy can be dynamically adjusted, and the script can be executed according to the current transaction parameters, thereby improving the processing efficiency and success rate of transaction orders.

[0025] In an optional embodiment, the transaction order processing system 10, the external data source 20 and the terminal device 30 can be connected via a LAN (Local Area Network), a WAN (Wide Area Network), or a mobile data network based on 5G or 4G to achieve real-time transmission of transaction data and channel status information.

[0026] In actual applications, through the collaborative work between the various modules of the transaction order processing system 10 and combined with the real-time information provided by the external data source 20, the payment channel can be dynamically and flexibly selected and adjusted to cope with complex and changing transaction needs and improve the system's payment success rate and overall transaction experience.

[0027] In addition, it should be noted that Figure 1 What is shown is only one application environment of the transaction order processing method provided by the present disclosure.

[0028] It should be noted that the following figure shows a possible order of steps, which is not actually limited to this order. Some steps can be executed in parallel without relying on each other. The user information (including but not limited to user device information, user personal information, user behavior information, etc.) and data (including but not limited to data for display, training data, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0029] Figure 2 FIG. 1 is a flow chart of a transaction order processing method according to an exemplary embodiment. Figure 2 As shown, the following steps may be included.

[0030] In step S201, a target transaction order and a payment channel set are obtained.

[0031] In the embodiment of the present specification, the target transaction order may be an order request containing basic transaction information generated by a transaction order processing system.

[0032] A payment channel set can be a set of multiple payment channels that support different payment methods. A payment channel can be associated with payment methods, payment products, contracting entities, channel codes and other information, and have many additional configuration parameters, including priority, weight, 3DS (3-Domain Secure) support, quick payment support, channel gateway applications, refund applications, channel maintenance time, channel service scope, etc.

[0033] In a possible implementation, the target transaction order can be obtained from a terminal device. The terminal device may include a variety of networked devices, such as a POS (Point of Sale), a mobile payment device, or an online payment terminal. After receiving the order information, the order management system may pass the information to the channel selection system for subsequent processing.

[0034] In an optional implementation, the channel selection system may need to interact with the payment channel multiple times to complete identity authentication or payment authorization. For example, during the transaction process, the payment channel may require additional identity authentication steps, such as 3DS verification, payment authorization, etc. These steps can be achieved through multiple interactions between the payment channel and the order management system.

[0035] In another possible implementation, the target transaction order can be obtained through real-time communication with the terminal device. For example, the terminal device submits the transaction order through the user's payment request, and the order management system can establish a connection with the terminal device through the network interface, receive the order data and perform verification to protect the integrity and correctness of the order information.

[0036] In an optional implementation, the payment channel set can be managed through a database within the transaction order processing system, and the database can record the configuration information of all available payment channels. After receiving the target transaction order, the order management system can query the database to obtain the payment channel set to ensure that the obtained payment channel is available and meets the requirements of the current transaction.

[0037] In a possible implementation, when obtaining a payment channel set, all available payment channels that are currently in normal status and meet the transaction attributes may be preferentially selected so that the subsequent screening process is more efficient.

[0038] In actual applications, by obtaining the target transaction order and payment channel set, different payment requests can be responded to quickly, ensuring that the obtained payment channel is available during the transaction process and supports the attributes of the target transaction order, thereby improving the transaction success rate and the overall system operation efficiency.

[0039] In step S203, a target screening strategy set and target transaction parameters carried in a target transaction order are determined.

[0040] In the embodiments of this specification, the target screening strategy set may refer to the screening strategy dynamically configured for the target transaction order.

[0041] The target transaction parameters may be transaction-related information extracted from the target transaction order, including but not limited to payment method, transaction amount, currency, merchant attributes, and the like.

[0042] In a possible implementation, after receiving the target transaction order, the applicable screening strategy can be matched based on the attributes of the target transaction order and the configuration requirements of the transaction order processing system, thereby generating a target screening strategy set. The target screening strategy set can include various conditions for determining the payment channel, such as transaction amount, payment method, etc., so as to be applicable to the payment requirements of different transaction scenarios.

[0043] In an optional implementation, a set of screening strategies applicable to a target may be generated according to transaction attributes of a merchant or a preset screening strategy to optimize the payment channel selection process.

[0044] In one possible implementation, the target transaction parameters carried in the target transaction order can be extracted through the order management system. After receiving the target transaction parameters, the channel selection system can match the applicable screening strategies according to these parameters and dynamically generate a target screening strategy set to ensure the flexibility and accuracy of the payment channel selection process.

[0045] In practical applications, by determining the target screening strategy set and target transaction parameters, we can effectively adapt to different transaction needs and dynamically adjust the selection of payment channels to improve the payment success rate and the overall operation efficiency of the system.

[0046] In step S205, a first screening result matching the target transaction parameter is screened out from the plurality of payment channels; the first screening result includes at least one payment channel; In the embodiment of the present specification, the first screening result may be a group of payment channels that are screened out from multiple payment channels and match the target transaction parameters.

[0047] In one possible implementation, after receiving the target transaction order, the channel selection system of the transaction order processing system can filter out payment channels that meet the requirements from the payment channel set based on the target transaction parameters carried by the target transaction order, which may include payment method, payment product, transaction amount, etc., to form a first screening result.

[0048] In practical applications, by screening out the first screening results that match the target transaction parameters from multiple payment channels, the accuracy of payment channel selection can be effectively improved, ensuring that the selected payment channel meets the requirements of the target transaction order, thereby improving the transaction success rate and the overall operating efficiency of the system.

[0049] In one possible implementation, the target transaction parameters include payment product information and payment method information; if a preset channel set exists, the preset channel set is obtained, and the preset channel set is determined to be a pre-screening result; or, if the preset channel set does not exist, pre-screening results that match the target transaction parameters are screened out from multiple payment channels based on the payment product information and payment method information; and a first screening result that matches the target configuration information is screened out from the pre-screening results.

[0050] In the embodiments of this specification, the payment product information may refer to the specific payment products involved in the transaction process, such as bank card payment, QR code payment, WeChat payment, etc. The payment product information may also include the specific category of the payment product and its characteristics, such as whether it supports installment payment, etc.

[0051] The payment method information may be a specific payment method related to the payment product. For example, for bank card payment, the payment method may be a credit card, debit card, etc.; for QR code payment, the payment method may be a dynamic code, merchant code, etc.; for WeChat payment, the payment method may be a dynamic code, merchant code scanning, in-app payment, etc.

[0052] The preset channel set can be a set of payment channels pre-configured by the target resource collector (such as a merchant or site) based on its business needs and transaction characteristics. The preset channel set is usually associated with the payment product, payment method and merchant attributes in the target transaction order, representing one or more payment channels set by the target merchant that are suitable for the target transaction order. The preset channel set may be configured based on factors such as the preferences, cost-effectiveness, and historical transaction data of the target resource collector.

[0053] The pre-screening result can be a preset channel set or a payment channel set screened from all payment channels based on payment product information and payment method information, representing a group of payment channels that match the target transaction order in the preliminary screening and will enter the subsequent screening step.

[0054] The target configuration information may be configuration parameters related to the selection of a payment channel, including but not limited to the service time of the channel, the range of transaction currencies, whether specific security verification is required, etc. The target configuration information is used to further match the characteristics of the payment channel based on the pre-screening results.

[0055] In a possible implementation, after receiving the target transaction order, the preset channel set related to the target merchant can be obtained by accessing the internal database or interacting with the external system through the data call system. The preset channel set is a set of payment channels pre-configured by the merchant, which matches the payment method, payment product and other parameters of the target transaction order. If the preset channel set exists, it can be directly determined as the pre-screening result.

[0056] In an optional implementation, the process of obtaining the preset channel set can be implemented by querying a database. The database records the payment channel configurations related to each merchant, which may be based on the merchant's historical transaction records, the merchant's business characteristics, and the channel cost. After receiving the target transaction order, the order management system can directly query the database to determine the preset channel set. If a preset channel set matching the target transaction order is queried, it can be determined to be a pre-screening result.

[0057] In another possible implementation, if the target merchant does not pre-configure a preset channel set that is compatible with the target transaction order, the payment product information and payment method information carried in the target transaction order are used as screening conditions, and the configuration parameters associated with each payment channel in the payment channel set are compared to screen out a payment channel set that meets the transaction requirements from all available payment channels as a pre-screening result. For example, if the target transaction order involves a credit card payment method in a bank card payment product, the channel selection system will select a payment channel that supports the credit card payment method from all payment channels to form a pre-screening result.

[0058] In a possible implementation, the payment channels in the pre-screening results may be checked one by one, and the first screening results matching the target configuration information may be further screened out from the pre-screening results. The target configuration information may include the service availability of the channel, whether the transaction amount range is supported, whether 3DS dynamic identity authentication is required, etc. Only payment channels that meet all the target configuration information requirements will be retained in the first screening results.

[0059] For example, dynamic identity authentication for 3DS can be implemented through the following logic: If the merchant has configured mandatory 3DS authentication, only payment channels that support 3DS authentication will be selected, excluding payment channels that do not support 3DS. Payment channels that do not support 3DS will not be included in the first screening results.

[0060] If the merchant does not require 3D Secure authentication, but the available payment gateway only supports 3D Secure authentication, the transaction will be upgraded to 3D Secure authentication even if the merchant's configuration does not require it. Even if the merchant does not explicitly set 3D Secure authentication requirements, the payment process will still be subject to the stricter 3D Secure security standards.

[0061] If the merchant has not configured a requirement for 3DS authentication, but the risk control standards require 3DS authentication, payment channels that support 3DS authentication will be selected, regardless of whether the merchant has configured this requirement, to ensure the security of the transaction.

[0062] In actual applications, by obtaining a preset channel set and performing corresponding screening, the payment channel selection process can be effectively simplified, the computational overhead of screening can be reduced, and the efficiency of transaction order processing can be improved. At the same time, according to the merchant's settings and risk control strategies, channel screening is performed according to the same level or higher security requirements, which not only meets the merchant's basic configuration requirements, but can also be adjusted according to risk control requirements or the support of the payment channel itself, thereby improving the security and flexibility of transactions.

[0063] In one possible implementation, the target configuration information includes service class configuration information, transaction class configuration information, verification class configuration information and query class configuration information; and a first screening result matching the service class configuration information, transaction class configuration information, verification class configuration information and query class configuration information is screened out from the pre-screening results.

[0064] In the embodiments of this specification, the service configuration information may refer to parameters related to the service availability of the payment channel, such as the service time of the payment channel, the service coverage area and other information.

[0065] Transaction configuration information may refer to parameters related to transaction processing, such as transaction amount range, supported transaction currencies, payment channel processing capabilities, etc.

[0066] Verification configuration information may refer to parameters related to payment security verification, such as whether 3DS verification is required, whether a specific identity verification protocol is supported, etc.

[0067] Query configuration information may refer to parameters related to transaction query or status feedback, such as whether the payment channel supports transaction status query, refund query and other functions.

[0068] In a possible implementation, the payment channels in the pre-screening results can be further checked to select payment channels that meet all service configuration information, transaction configuration information, verification configuration information, and query configuration information requirements as the first screening result. For example, if the target transaction order involves a transaction amount greater than RMB 10,000 and requires identity authentication (such as SMS verification code or dynamic password), payment channels that meet the following conditions can be screened out: available during service hours, supporting transaction amounts greater than RMB 10,000, and having the required identity authentication function. After checking the service configuration information, transaction configuration information, verification configuration information, and query configuration information of each payment channel one by one, the screened payment channels meet all requirements of the target transaction order and are returned as the first screening result.

[0069] In an optional implementation, various target configuration information may be applied according to different attributes of the target transaction order to perform more detailed screening on the pre-screening results. For example, for transactions with certain merchants, 3DS verification may not be required, but transactions in specific currencies need to be supported.

[0070] In actual applications, by further screening the payment channels in the pre-screening results, the requirements of service, verification and query can be met, thereby improving the success rate and security of transactions, and enhancing the user's payment experience and the overall operation efficiency of the system.

[0071] For example, Figure 3 For example, Figure 3 The present invention is a flowchart of obtaining a first screening result through screening according to an exemplary embodiment. First, a target transaction order and a payment channel set are obtained. The target transaction order may include basic information of the transaction, such as merchant information, transaction amount, payment product information, and payment method information. The screening process is started through the obtained target transaction order. The target transaction parameters are determined, and it is determined whether there is a preset channel set. If the preset channel set exists, the preset channel set is used as the preliminary screening result.

[0072] If the target transaction order does not have a preset channel set, filter out a channel set that matches the target transaction parameters from multiple payment channels as the preliminary screening result. Filter out payment channels that match the service class configuration information from the preliminary screening results. The service class configuration information may include the service time and service coverage area of ​​the payment channel. Screen the payment channels in the preliminary screening results one by one to confirm whether their service class attributes meet the transaction requirements. Continue to filter payment channels based on the transaction class configuration information. The transaction class configuration information may include the transaction amount range, supported currencies, channel processing capabilities, etc., to ensure that the screened payment channels fully meet the target transaction order in terms of transaction class requirements.

[0073] Further, the payment channels are screened based on the verification configuration information. The verification configuration information may include whether the payment channel supports a specific verification method (such as 3DS verification) and whether it has verification capabilities that meet system security standards. The payment channels are screened based on the query configuration information. The query configuration information may include whether the payment channel supports functions such as status query and refund query, ensuring that the screened payment channels can provide comprehensive transaction query services.

[0074] Through the above steps, the first screening result is finally obtained.

[0075] In practical applications, this screening process can make the payment channel selection process more efficient and accurate, ensuring that the selected payment channel meets the requirements of the target transaction order, thereby improving the transaction success rate and overall operating efficiency.

[0076] In a possible implementation manner, a preset screening policy set is obtained; if the preset screening policy set exists, the preset screening policy set is determined as the target screening policy set.

[0077] In the embodiments of the present specification, the preset screening strategy set may represent the screening strategy dynamically configured by the target resource receiver for the target transaction order.

[0078] In a possible implementation, the order management system may obtain a preset screening policy set that matches the target transaction order from a database. The database may record different screening policy sets set by the target resource receiver for different types of transaction orders. If there is a preset screening policy set that matches the target transaction order, the set is directly determined as the target screening policy set.

[0079] In another possible implementation, a preset screening policy set can be obtained by interacting with an external system through a data call system. For example, the target resource collector may have configured screening policies in different third-party payment platforms or bank systems. After confirming that the screening policy set exists and matches the target transaction order, it can be determined as the target screening policy set.

[0080] In practical applications, by obtaining a set of preset screening strategies, the screening strategy selection process can be effectively simplified, the efficiency of transaction processing can be improved, and the selection of payment channels can be made to meet the business needs and transaction characteristics of the target resource recipient.

[0081] In a possible implementation, when the preset filtering policy set does not exist, the filtering policy corresponding to the target transaction parameter is obtained as the filtering policy set to be configured; the filtering policy set to be configured is tested; when the filtering policy set to be configured meets the target filtering condition, the filtering policy set to be configured is determined to be the target filtering policy set; or, when the filtering policy set to be configured does not meet the target filtering condition, a default filtering policy set is obtained as the target filtering policy set.

[0082] In the embodiments of the present specification, the set of filtering policies to be configured may be a set of filtering policies dynamically generated in the transaction order processing system according to the target transaction parameters, including filtering requirements corresponding to the target transaction parameters, such as the upper limit of the transaction amount, the merchant type, the supported range of payment methods, etc. The set of filtering policies to be configured is used to dynamically configure the filtering policies for the target transaction order when the preset set of filtering policies does not exist.

[0083] The target screening condition can be a standard for verifying the validity of the set of screening policies to be configured, and is used to determine whether the selected policy complies with the business logic and can be used for transaction processing. For example, the target screening condition can include whether the policy set is complete, whether the parameter configuration meets the minimum requirements of the target transaction order, etc.

[0084] The default screening policy set may include some basic payment channel selection policies, which may include, for example, the basic service availability of the channel, the basic range of transaction amounts, the minimum support requirements of the payment methods, etc.

[0085] In a possible implementation, when the preset screening policy set does not exist, the screening policy set to be configured can be obtained according to the payment product information and payment method information in the target transaction order.

[0086] In a possible implementation, after obtaining the set of filtering policies to be configured, its validity can be determined by verifying whether the parameters in the set of filtering policies to be configured meet the target filtering conditions. For example, if the transaction amount limit in the policy set matches the transaction amount of the target transaction order, and all necessary security verification policies have been configured, then the policy set can be confirmed to be valid. If the set of filtering policies to be configured meets the target filtering conditions, it is determined as the target filtering policy set.

[0087] In another possible implementation, if the set of filtering policies to be configured fails to meet the preset filtering conditions, the default set of filtering policies will be used as the target set of filtering policies. The default set of filtering policies is set to deal with the situation where a valid set of policies to be configured fails to be generated, and contains the minimum necessary parameter configuration, which can ensure that the transaction order completes the payment processing under certain security and reliability conditions.

[0088] In actual applications, by checking and adjusting the set of filtering strategies to be configured, appropriate filtering strategies can be dynamically generated and applied when the preset filtering strategies are unavailable, thereby improving the flexibility and success rate of transaction processing and ensuring the stability of the system in various transaction scenarios. If the filtering strategy to be configured does not meet the requirements, the default filtering strategy set can reduce the possibility of transaction failure, thereby improving the overall transaction success rate.

[0089] In step S207, second screening results matching the target screening strategy set are screened out from the first screening results.

[0090] In the embodiments of this specification, the second screening result may refer to a group of payment channels that are further screened from the first screening result after the preliminary screening and meet the target screening strategy set conditions.

[0091] In a possible implementation, the generation process of the second screening result can be completed by the channel selection system. After receiving the first screening result, the payment channels in the first screening result are matched according to the screening conditions contained in the target screening policy set, and the payment channels that meet all policy requirements are screened out, thereby forming the second screening result. For example, the target screening policy set may include requirements for the service response time, fee collection standards, stability of the payment channel, service availability time, etc. of the payment channel. Only the payment channels that meet the target screening policy set will be retained in the second screening result.

[0092] In practical applications, by further screening payment channels that meet the target screening strategy set from the first screening results, the payment path can be effectively optimized so that the final selected payment channel meets the specific requirements of the transaction, thereby improving the transaction success rate and system operation efficiency.

[0093] In a possible implementation, the target screening strategy set includes a target screening strategy and a target sorting strategy; the payment channels matching the target screening strategy are screened out from the first screening result, and are sorted according to the target sorting strategy to obtain a second screening result.

[0094] In the embodiments of this specification, the target screening strategy may be a part of a target screening strategy set, such as requirements on the stability, response time, and supported transaction methods of the payment channel.

[0095] The target sorting strategy can be another part of the target screening strategy set, which refers to the rules for prioritizing payment channels that meet the screening strategy, such as sorting based on the payment channel's fees, service response speed, transaction success rate, etc.

[0096] In a possible implementation, a set of payment channels that meet the target screening strategy is screened out, and the set of payment channels is sorted according to the target sorting strategy to obtain a second screening result. For example, if the target sorting strategy requires that payment channels with lower transaction fees be given priority, the channel selection system will sort the payment channels that meet the screening criteria based on this standard.

[0097] In practical applications, by screening and sorting payment channels, the payment path can be effectively optimized and the efficiency and success rate of transaction processing can be improved.

[0098] In one possible implementation, a target filtering policy set is composed of one or more target routing conditions; each target routing condition corresponds to a set of target scripts; the target filtering policy set is parsed to obtain one or more target routing conditions; the target script corresponding to each target routing condition is obtained; multiple target scripts are executed, and the first filtering results are filtered and sorted to obtain a second filtering result.

[0099] In the embodiments of this specification, the target routing condition may be a component of a target screening strategy set, and each target routing condition represents a business need or screening requirement for screening payment channels, such as the geographical coverage of the payment channel, the service time of the channel, the transaction limit, the response speed, the compatibility of the payment method, etc.

[0100] The target script can be a set of dynamic program instructions corresponding to each target routing condition. Each set of target scripts screens and sorts the characteristics of the payment channel according to the specific requirements of the target routing condition.

[0101] In one possible implementation, the channel selection system can parse the target screening policy set to obtain one or more target routing conditions. After parsing the target routing conditions, the target scripts corresponding to these target routing conditions are obtained one by one. For example, if the target screening policy set contains multiple routing conditions, each of which requires the service response time of the payment channel to be lower than a certain threshold within a specific time period and to support a high transaction amount, the target scripts corresponding to these conditions are executed one by one. The target script can perform real-time detection of configuration parameters related to the payment channel, such as calculating the response speed and transaction limit of the payment channel, and screening out payment channels that meet all target routing conditions.

[0102] In a possible implementation, during the execution of the target script, not only is it determined whether the payment channel meets the target routing conditions, ensuring that the payment channel that meets the requirements enters the second screening result, but it also involves sorting the payment channels. Each payment channel can be sorted according to its corresponding priority or weight, ensuring that during the screening and sorting process, the payment channel that meets the business requirements is given priority.

[0103] Exemplarily, the priority setting can be achieved by directly specifying the priority of a payment channel among similar channels. For example, for a specific merchant, the priority may be determined based on the cumulative number of interactions, with the priority of the merchant with a higher cumulative number of interactions being higher than the priority of the merchant with a lower number of interactions; the payment channel with the highest cumulative number of interactions can be given the first priority, while other payment channels are ranked in order of the number of interactions. The priority setting can also be dynamically adjusted based on historical transaction data. For example, if a payment channel has an excellent transaction success rate within a specific time period, its priority can be temporarily increased.

[0104] The weight setting is based on a weighted calculation of multiple configuration parameters of the payment channel. Specifically, the weight of the payment channel may include but is not limited to the following aspects: transaction success rate, service response time, transaction fee, current load, etc. For example, the transaction success rate of the payment channel can account for 50% of the weight, the fee accounts for 20%, the response time accounts for 20%, and the current load accounts for 10%. Through the weighted calculation of these attributes, the final ranking score of each payment channel can be obtained, thereby realizing refined payment channel selection. In the weighting process, if a payment channel has a higher transaction success rate, its proportion in the total score will be greater, thereby increasing its possibility of being selected.

[0105] By sorting based on priority or weight, you can give priority to payment channels that meet the requirements during peak trading hours to ensure smooth payment. For example, during peak trading hours, some payment channels may experience response delays due to excessive load. The target script can sort based on the real-time status of the payment channel (such as current load, response speed) and add their respective weights to adjust the sorting of the payment channels to obtain a list of payment channels ranked by priority with lower load and faster response speed. At the same time, under the joint effect of priority and weight, you can flexibly select the most suitable payment channel according to business needs to ensure the efficiency and stability of the payment process.

[0106] In actual applications, by parsing the target screening strategy set and executing multiple target scripts, payment channels that meet specific routing conditions can be dynamically and flexibly screened out, and prioritized on this basis. Such a screening and sorting process can improve the accuracy and real-time performance of payment channel selection, thereby providing greater flexibility and responsiveness when dealing with complex transaction requirements.

[0107] In one possible implementation, external call information and dynamic adjustment information of multiple target scripts are obtained; multiple target scripts are updated based on the external call information and the dynamic adjustment information to obtain target update scripts; multiple target update scripts are executed, and the first screening results are screened and sorted to obtain second screening results.

[0108] In the embodiments of this specification, external call information may refer to information related to the payment environment obtained from an external data source during the payment channel selection process, such as the real-time status of the payment channel, network load, etc. The external call information is mainly used to help the administrator adjust the payment channel selection strategy according to the current payment environment to optimize the selection of the payment channel.

[0109] Dynamic adjustment information may refer to relevant information that is actively modified by an administrator to adjust the execution logic of a target script, such as rules and parameters for updating priority, response speed, current load, etc. of a payment channel.

[0110] The target update script can be a new script set obtained by updating the original target script by combining external call information and dynamic adjustment information. Specifically, the target update script is not automatically modified or adjusted by the target script itself to complete the update, but is actively intervened by the developer or system administrator through the iteration of the target script version, that is, during the execution of the target script, based on external call information (such as the load status of the payment channel, network status, etc.) and dynamic adjustment information manually set according to business needs or system conditions, the administrator actively adjusts its configuration and rules to update the target script to a new version, thereby adjusting and optimizing the target script so that the target script can better adapt to the current payment environment and business needs.

[0111] For example, if the external call information indicates that some payment channels are responding slowly due to excessive load, the target update script may instruct to adjust the priority of these payment channels or exclude them from the candidate channels to ensure smooth transaction processing.

[0112] In one possible implementation, the target script can make a remote call through an HTTP (Hyper Text Transfer Protocol) request object to access external data sources in real time and obtain external information related to the payment environment, such as the real-time status of the payment channel, network load, service response, etc. The data call system can adjust the filtering and sorting strategies based on the external call information obtained, and apply this adjustment information to the target script to optimize the selection of payment channels. For example, during peak trading hours, if a payment channel is overloaded, the external call information can be obtained through a remote call, and the priority or filtering conditions of the payment channel can be adjusted in the target update script.

[0113] In one possible implementation, the target script may be updated in combination with dynamic adjustment information of multiple target scripts. The dynamic adjustment information may include modifying the priority of the payment channel, adjusting the sorting strategy, or actively modifying the screening strategy according to current business needs. For example, the target script may be modified by dynamic adjustment information to obtain an updated target update script. When executing the target update script, the priority of certain payment channels may be reduced or removed from the candidate list.

[0114] In an optional implementation, the target script can be implemented using Groovy (Groovy Class), Groovy (Groovy Expression), Drools (open source business rule management system), etc., to support target compilation and execution. The script can be automatically compiled during the first execution, and the compiled script can be stored in the local cache to improve execution efficiency. When the script needs to be updated, the cache is cleared and the updated script is reloaded to achieve dynamic refresh and replacement of the logic. This design allows the script content to be adjusted in a timely manner when the routing logic and business requirements change, thereby maintaining system flexibility and adaptability.

[0115] In actual applications, by obtaining external call information and dynamically adjusting the target script, the dynamic and intelligent selection of payment channels can be realized, effectively responding to changes in the payment environment, and improving the accuracy and efficiency of payment path selection. The introduction of the target update script makes the screening process of payment channels no longer static, but can be adjusted in real time according to changes in external conditions, thereby improving the success rate and stability of payment transactions.

[0116] For example, Figure 4 For example, Figure 4 The present invention is a flowchart of obtaining a second screening result after screening according to an exemplary embodiment. First, it is determined whether there is a target screening policy set. If the preset target screening policy set exists, it is directly determined as the target screening policy set; otherwise, it is further determined whether the target transaction order has relevant configuration requirements that match the target screening policy set.

[0117] If the target screening policy set exists, the preset screening policy set is used as the target screening policy set. On the contrary, if there is no preset screening policy set, but the target transaction order has configuration requirements related to it, a corresponding screening policy set can be generated as the target screening policy set. If the target screening policy set cannot meet the target screening conditions, the default screening policy set is used as the target screening policy set.

[0118] After determining the target screening strategy set, the target routing conditions in the set are gradually parsed. Each target routing condition may include different requirements for payment channel service attributes, transaction attributes, verification attributes, etc. For each target routing condition, the corresponding target script is obtained and executed to further screen the payment channels. For example, a target routing condition may involve the availability requirements of the payment channel within a specific time period, and the target script can judge the available time of each payment channel. In the process of executing multiple target scripts, the payment channels are screened and sorted multiple times to determine the payment channel set that ultimately meets the target routing conditions. Specifically, according to the sorting rules in the target screening strategy set, the payment channels that meet the requirements are sorted according to priority or weight to ensure that the payment channels that best meet the transaction requirements are ranked first. After completing the screening and sorting, the second screening result is obtained.

[0119] In actual applications, through this process of multiple screening, sorting and script execution, it can be ensured that the selection of payment channels meets the needs of specific business and has good adaptability to changes in the transaction environment, thereby improving the accuracy and success rate of the payment process.

[0120] In a possible implementation, the external call information includes channel information, transaction information, and memory information; multiple target scripts are updated based on the channel information, transaction information, memory information, and dynamic adjustment information to obtain a target update script.

[0121] In the embodiments of this specification, channel information may refer to specific data related to the payment channel, such as the name, identification code, service type, current availability status, etc. of the payment channel.

[0122] Transaction information may refer to data related to the current transaction, such as transaction amount, transaction type, transaction time, etc.

[0123] Memory information can refer to historical transaction records and payment channel usage, such as the transaction success rate, historical response time, failure rate, etc. of a payment channel within a specific time period.

[0124] In a possible implementation, the target script can be updated based on the channel information, transaction information and memory information, combined with the dynamic adjustment information, and the screening rules and priority of the target script can be adjusted in real time to form a target update script. For example, the availability of the payment channel can be adjusted based on the channel information, the priority can be adjusted based on the transaction information, or the selection weight of certain channels can be dynamically reduced using the memory information; if a payment channel has a high failure rate in recent use, the priority of the payment channel can be reduced through the memory information, or the priority of certain channels can be adjusted according to the transaction amount; when it is detected that a payment channel cannot provide normal service due to excessive network load, the channel can be removed from the candidate list or its priority can be reduced.

[0125] In one possible implementation, the target script can achieve reverse control of the payment channel. When a large number of failed transactions or excessive load is detected in a payment channel, the priority of the payment channel can be lowered or even closed through the target script to ensure system stability and transaction success rate. For example, the transaction success rate and load status of the payment channel can be monitored in real time. When the failure rate of a channel exceeds a predetermined threshold, its priority can be lowered or it can be removed from the optional channels until the problem is resolved.

[0126] In actual applications, by combining channel information, transaction information, memory information and dynamic adjustment information to update the target script, dynamic adjustment and optimization of payment channel selection can be achieved, making the selection process more intelligent and real-time. The introduction of the target update script improves the flexibility and adaptability of payment channel selection, can better cope with changes in the transaction environment, and improve payment success rate and user experience.

[0127] In step S209, the payment channel that meets the priority condition in the second screening result is determined as the target payment channel; In the embodiments of this specification, the priority condition may be a numerical standard for determining the order of payment channel selection, such as satisfying the payment channel ranked first in priority, or satisfying the payment channels ranked first in priority.

[0128] The target payment channel may be the payment channel finally selected from the second screening results for completing the target transaction order.

[0129] In a possible implementation, the payment channels in the second screening result can be sorted according to the priority condition, and the payment channel with the highest priority can be selected as the target payment channel. For example, if both payment channel A and payment channel B meet the requirements of the target transaction order, but payment channel A has a lower transaction fee and a faster response speed, the channel selection system will give priority to payment channel A as the target payment channel.

[0130] In an optional implementation, under the constraint of priority conditions, the target payment channel is usually the first payment channel after priority sorting, but in some business scenarios, it is also possible to select one of the first few payment channels after priority sorting as the target payment channel based on requirements such as load balancing.

[0131] In practical applications, by determining the payment channel that meets the priority conditions as the target payment channel, the efficiency and success rate of the payment process can be effectively improved, and the flexibility of the payment channel selection process can be ensured.

[0132] In step S211, the target transaction order is processed based on the target payment channel.

[0133] In a possible implementation, the transaction execution system may perform transaction processing based on the target payment channel after determining the target payment channel. Specifically, the transaction execution system may send a transaction request to the target payment channel, including detailed information of the target transaction order, such as the transaction amount, payment method, etc. After receiving the transaction request, the payment channel will process the transaction and return the processing result.

[0134] In another possible implementation, the transaction execution system may interact with the target payment channel multiple times to ensure the successful completion of the transaction. For example, after the transaction execution system sends the transaction request for the first time, it may receive additional verification requests from the payment channel, such as identity verification or payment authorization. In this case, the transaction execution system will perform corresponding verification and authorization operations according to the requirements of the payment channel until the transaction is successfully completed.

[0135] In practical applications, by processing the target transaction order based on the target payment channel, the smooth connection between the selection of the payment channel and the transaction execution can be ensured, thereby improving the success rate of the transaction and the user's payment experience. At the same time, the flexible interaction between the transaction execution system and the payment channel can also cope with complex payment scenarios and enhance the adaptability of the transaction order processing system.

[0136] Figure 5 is a block diagram of a transaction order processing system according to an exemplary embodiment. Figure 5 , the device may include: The acquisition module 501 is used to acquire a target transaction order and a payment channel set; the payment channel set includes multiple payment channels; The parameter and set determination module 503 is used to determine the target screening strategy set and the target transaction parameters carried in the target transaction order; the target screening strategy set refers to the screening strategy dynamically configured for the target transaction order; A first determination module 505 is used to select a first screening result matching the target transaction parameter from multiple payment channels; the first screening result includes at least one payment channel; A second determination module 507 is used to filter out second screening results that match the target screening strategy set from the first screening results; A channel determination module 509, configured to determine a payment channel that satisfies a priority condition in the second screening result as a target payment channel; The transaction module 511 is used to perform transaction processing on the target transaction order based on the target payment channel.

[0137] In a possible implementation, the target transaction parameters include payment product information and payment method information; the first determination module 505 includes: A preset channel acquisition unit is used to acquire the preset channel set if the preset channel set exists, and determine the preset channel set as a pre-screening result; the preset channel set represents one or more payment channels set by the target resource receiver and adapted to the target transaction order; A pre-screening result determination unit, configured to screen out pre-screening results matching target transaction parameters from a plurality of payment channels according to payment product information and payment method information when a preset channel set does not exist; The first result determining unit is used to filter out a first screening result matching the target configuration information from the pre-screening results.

[0138] In a possible implementation, the target configuration information includes service configuration information, transaction configuration information, verification configuration information, and query configuration information; and the first result determination unit includes: The first screening result determination subunit is used to screen out the first screening result matching the service class configuration information, the transaction class configuration information, the verification class configuration information and the query class configuration information from the pre-screening result.

[0139] In a possible implementation, the method may further include: A preset strategy acquisition module is used to acquire a preset screening strategy set; the preset screening strategy set represents the screening strategy dynamically configured by the target resource receiver for the target transaction order; The target policy first determination module is used to determine the preset screening policy set as the target screening policy set when the preset screening policy set exists.

[0140] In a possible implementation, the method may further include: A to-be-configured strategy determination module, used for obtaining the screening strategy corresponding to the target transaction parameter as the to-be-configured screening strategy set when the preset screening strategy set does not exist; A test module, used to test the set of screening strategies to be configured; The second target policy determination module is used to determine the to-be-configured screening policy set as the target screening policy set when the to-be-configured screening policy set meets the target screening condition; or, when the to-be-configured screening policy set does not meet the target screening condition, obtain a default screening policy set as the target screening policy set.

[0141] In a possible implementation, the target screening strategy set includes a target screening strategy and a target sorting strategy; the second determination module 507 includes: The screening and sorting unit is used to screen out payment channels that match the target screening strategy from the first screening results, and sort them according to the target sorting strategy to obtain a second screening result.

[0142] In a possible implementation, the target screening policy set is composed of one or more target routing conditions; each target routing condition corresponds to a set of target scripts; the second determination module 507 includes: A parsing unit, used to parse the target screening policy set to obtain one or more target routing conditions; A script acquisition unit, used to acquire a target script corresponding to each target routing condition; The script execution unit is used to execute multiple target scripts, filter and sort the first screening results, and obtain the second screening results.

[0143] In a possible implementation, the method may further include: An external call and adjustment information acquisition unit, used to acquire external call information and dynamic adjustment information of multiple target scripts; An updating unit, used for updating multiple target scripts based on external call information and dynamic adjustment information to obtain target update scripts; Script execution unit, including: The update script execution unit is used to execute multiple target update scripts, filter and sort the first screening results, and obtain second screening results.

[0144] In a possible implementation, the external call information includes channel information, transaction information, and memory information; the update unit includes: The updating subunit is used to update multiple target scripts based on the channel information, transaction information, memory information and dynamic adjustment information to obtain a target update script.

[0145] Regarding the system in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0146] Figure 6 is a block diagram of an electronic device for transaction order processing according to an exemplary embodiment. The electronic device may be a terminal, and its internal structure diagram may be as shown in FIG. Figure 6 As shown. The electronic device includes a processor, a memory, a network interface, a display screen and an input device connected through a system bus. Among them, the processor of the electronic device is used to provide computing and control capabilities. The memory of the electronic device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the electronic 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 processing a transaction order is implemented. The display screen of the electronic device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the electronic device can be a touch layer covering the display screen, or a key, trackball or touchpad set on the housing of the electronic device, or an external keyboard, touchpad or mouse, etc. Those skilled in the art will understand that Figure 6 The structure shown in the figure is merely a block diagram of a partial structure related to the scheme of the present disclosure, and does not constitute a limitation on the electronic device to which the scheme of the present disclosure is applied. The specific electronic device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0147] In an exemplary embodiment, an electronic device is also provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is configured to execute the instructions to implement the transaction order processing method as in the embodiment of the present disclosure.

[0148] In an exemplary embodiment, a computer-readable storage medium is also provided, and when the instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the transaction order processing method in the embodiment of the present disclosure. The computer-readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0149] In an exemplary embodiment, a computer program product containing instructions is also provided. When the computer program product is run on a computer, the computer is caused to execute the transaction order processing method in the embodiment of the present disclosure.

[0150] Those skilled 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 memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0151] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0152] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A transaction order processing method, characterized in that: The method comprises: Obtaining a target transaction order and a payment channel set; the payment channel set includes multiple payment channels; Determine a target screening strategy set and a target transaction parameter carried in the target transaction order; the target screening strategy set refers to a screening strategy dynamically configured for the target transaction order; Filtering out a first screening result matching the target transaction parameter from the multiple payment channels; the first screening result includes at least one payment channel; Screening out second screening results that match the target screening strategy set from the first screening results; Determining a payment channel that meets a priority condition in the second screening result as a target payment channel; The target transaction order is processed based on the target payment channel.

2. The method according to claim 1, characterized in that The target transaction parameters include payment product information and payment method information; the first screening result matching the target transaction parameters is screened out from the multiple payment channels, including: In the case where the preset channel set exists, the preset channel set is obtained, and the preset channel set is determined to be a pre-screening result; the preset channel set represents one or more payment channels set by the target resource recipient and adapted to the target transaction order; If the preset channel set does not exist, screening out pre-screening results matching the target transaction parameters from the multiple payment channels according to the payment product information and the payment method information; The first screening results matching the target configuration information are screened out from the pre-screening results.

3. The method according to claim 2, characterized in that The target configuration information includes service configuration information, transaction configuration information, verification configuration information, and query configuration information; the first screening result matching the target configuration information is screened out from the pre-screening results, including: The first screening results matching the service class configuration information, the transaction class configuration information, the verification class configuration information and the query class configuration information are screened out from the pre-screening results.

4. The method according to claim 1, characterized in that: The method further comprises: Acquire a preset screening strategy set; the preset screening strategy set represents the screening strategy dynamically configured by the target resource receiver for the target transaction order; In the case that the preset screening policy set exists, the preset screening policy set is determined as the target screening policy set.

5. The method according to claim 4, characterized in that The method further comprises: If the preset screening strategy set does not exist, obtaining the screening strategy corresponding to the target transaction parameter as the screening strategy set to be configured; Checking the set of screening policies to be configured; In a case where the set of screening policies to be configured meets a target screening condition, determining the set of screening policies to be configured as the target screening policy set; Alternatively, when the to-be-configured screening policy set does not satisfy the target screening condition, a default screening policy set is obtained as the target screening policy set.

6. The method according to claim 1, characterized in that The target screening strategy set includes a target screening strategy and a target sorting strategy; The step of screening out a second screening result that matches the target screening strategy set from the first screening result includes: The payment channels matching the target screening strategy are screened out from the first screening results, and are sorted according to the target sorting strategy to obtain a second screening result.

7. The method according to claim 1, characterized in that The target screening strategy set is composed of one or more target routing conditions; each of the target routing conditions corresponds to a set of target scripts; The step of screening out a second screening result that matches the target screening strategy set from the first screening result includes: Parsing the target screening policy set to obtain one or more target routing conditions; Obtaining the target script corresponding to each of the target routing conditions; Execute a plurality of the target scripts, filter and sort the first screening results, and obtain a second screening result.

8. The method according to claim 7, characterized in that After the step of obtaining the target script corresponding to each of the target routing conditions, the method includes: Obtaining external call information and dynamic adjustment information of the plurality of target scripts; Based on the external call information and the dynamic adjustment information, the plurality of target scripts are updated to obtain a target update script; The executing of the plurality of target scripts, filtering and sorting the first screening results, obtaining a second screening result, and replacing it with: The executing of the plurality of target update scripts screens and sorts the first screening results to obtain second screening results.

9. The method according to claim 8, characterized in that The external call information includes channel information, transaction information, and memory information; the updating of the plurality of target scripts based on the external call information and the dynamic adjustment information to obtain a target update script includes: Based on the channel information, the transaction information, the memory information and the dynamic adjustment information, the plurality of target scripts are updated to obtain a target update script.

10. A transaction order processing system, characterized in that: include: The acquisition module is used to obtain the target transaction order and payment channel set; The payment channel set includes multiple payment channels; A parameter and set determination module, used to determine a target screening strategy set and target transaction parameters carried in the target transaction order; The target screening strategy set refers to the screening strategy dynamically configured for the target transaction order; A first determining module, configured to screen out a first screening result matching the target transaction parameter from the multiple payment channels; The first screening result includes at least one payment channel; A second determining module, configured to select a second screening result matching the target screening strategy set from the first screening result; a channel determination module, configured to determine a payment channel that satisfies a priority condition in the second screening result as a target payment channel; A transaction module is used to perform transaction processing on the target transaction order based on the target payment channel.

11. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the transaction order processing method as described in any one of claims 1 to 9.

12. A computer-readable storage medium, characterized in that: When the instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the transaction order processing method as described in any one of claims 1 to 9.

13. A computer program product comprising computer instructions, characterized in that: When the computer instructions are executed by a processor, the transaction order processing method described in any one of claims 1 to 9 is implemented.

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