Service processing method and device and nonvolatile storage medium

Abstract

The invention discloses a service processing method and device and a nonvolatile storage medium. The method comprises the steps that in response to a transaction request of a payment account, a plurality of service accounts with different priorities are determined according to area information of the payment account, and the priorities are determined according to current service performance of the corresponding service accounts; sequentially polling the plurality of service accounts according to the priority sequence and the transaction request; and feeding back a transaction result to the payment account until the target service account in the plurality of service accounts completes the transaction request, wherein the transaction result is that the transaction is successful. The technical problem of insufficient stability of the transaction service processing process in the prior art is solved.

Description

Technical Field

[0001] The present application relates to the field of communication service technology, and in particular, to a service processing method, device and non-volatile storage medium. Background Art

[0002] Currently, communication service business platforms face the problem of unstable transaction processes. The platform may frequently carry out maintenance work due to technical updates, fault repairs, etc., and during the maintenance work, the payment account transaction process is prone to interruption or failure. If the platform lacks effective alternatives, the transaction speed will gradually slow down, especially in the case of network congestion or limited system processing capacity, the payment account will have to wait for a long time, causing the number of customer complaints to gradually increase. The relevant technology lacks an intelligent decision-making mechanism and cannot dynamically adjust the transaction service processing process according to actual conditions.

[0003] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0004] The embodiments of the present application provide a service processing method, device and non-volatile storage medium to at least solve the technical problem of insufficient stability of the transaction service processing process existing in the related art.

[0005] According to one aspect of an embodiment of the present application, a service processing method is provided, including: responding to a transaction request of a payment account, determining multiple service accounts with different priorities according to regional information of the payment account, wherein the priorities are determined according to current service performance of the corresponding service accounts; polling the multiple service accounts in sequence according to the priority order and the transaction request; until a target service account among the multiple service accounts completes the transaction request, feeding back to the payment account a transaction result indicating a successful transaction.

[0006] Optionally, determining multiple service accounts with different priorities according to the regional information of the payment account includes: determining multiple initial accounts; determining service coverages corresponding to the multiple initial accounts respectively according to the regional information; screening the multiple initial accounts based on the service coverages corresponding to the multiple initial accounts respectively, and maintenance status, to determine the multiple service accounts.

[0007] Optionally, the method further includes: obtaining a numerical requirement for allowing a transaction response; determining a transaction amount carried in the transaction request; and allowing a response to the transaction request if the transaction amount meets the numerical requirement.

[0008] Optionally, the polling the multiple service accounts in sequence according to the priority order and the transaction request includes: determining a time range within which a transaction response is allowed according to a business type corresponding to the transaction request; allowing, in accordance with the priority order, initiating a polling process for a next service account after the current service account when a current polling result of a current service account is a transaction failure and the current moment is within the time range; and polling the multiple service accounts in sequence based on the transaction request in a manner of determining to initiate a polling process for the next service account.

[0009] Optionally, the method further includes: when the current polling result is a transaction failure and the current moment is not within the time range, feeding back to the payment account a transaction result of a transaction failure.

[0010] Optionally, the method further includes: when the current service performances corresponding to the multiple service accounts respectively do not meet the predetermined performance threshold, waking up a cloud server whose service performance meets the predetermined performance threshold; and using the cloud server to process the transaction request.

[0011] Optionally, polling the multiple service accounts in sequence according to the priority order and the transaction request includes: determining a predetermined first desensitizing strategy; obtaining a desensitized transaction request according to the first desensitizing strategy; and polling the multiple service accounts in sequence according to the priority order and the desensitized transaction request.

[0012] Optionally, the method also includes: determining a predetermined second desensitization strategy; obtaining response speed and network delay data corresponding to the multiple service accounts respectively; based on the response speed and network delay data corresponding to the multiple service accounts respectively, using the second desensitization strategy for processing to obtain the current service performance corresponding to the multiple service accounts respectively.

[0013] According to another aspect of an embodiment of the present application, a service processing device is provided, including: a service account determination module, used to respond to a transaction request of a payment account, and determine multiple service accounts with different priorities according to regional information of the payment account, wherein the priority is determined according to the current service performance of the corresponding service account; a service account polling module, used to poll the multiple service accounts in sequence according to the priority order and the transaction request; and a transaction result feedback module, used to feedback the transaction result as a successful transaction to the payment account until a target service account among the multiple service accounts completes the transaction request.

[0014] According to another aspect of an embodiment of the present application, a non-volatile storage medium is provided, wherein the non-volatile storage medium stores a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing any one of the service processing methods.

[0015] In the embodiment of the present application, by responding to the transaction request of the payment account, multiple service accounts with different priorities are determined according to the regional information of the payment account, wherein the priority is determined according to the current service performance of the corresponding service account; the multiple service accounts are polled in sequence according to the priority order and the transaction request; until the target service account among the multiple service accounts completes the transaction request, the transaction result is fed back to the payment account as a successful transaction. The purpose of improving the success rate of transaction service processing is achieved, and the technical effect of enhancing the stability of the transaction service processing process is achieved, thereby solving the technical problem of insufficient stability of the transaction service processing process existing in the related technology. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0017] Figure 1 is a flowchart of an optional service processing method provided according to an embodiment of the present application;

[0018] Figure 2 is a first schematic diagram of an optional service processing method provided according to an embodiment of the present application;

[0019] Figure 3 is a second schematic diagram of an optional service processing method provided according to an embodiment of the present application;

[0020] Figure 4 It is a schematic diagram of an optional service processing method device provided according to an embodiment of the present application. DETAILED DESCRIPTION

[0021] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0022] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application 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 interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0023] For the convenience of description, some nouns or terms involved in the embodiments of the present application are explained below:

[0024] SGW (Service Gateway) provides transaction request services. As the middle layer of the transaction request service, it is responsible for receiving transaction requests from the platform, then initiating transaction request operations to the actual service account, and feeding back the final result (success or failure) to the platform for subsequent payment account notification and service processing.

[0025] In the intelligent routing and retrying telephone fee transaction request system, SGW plays a key role. It needs to be able to efficiently process a large number of transaction requests and support the intelligent routing and retry mechanism to ensure the success rate and speed of transaction requests. Through close cooperation with the settlement platform, SGW helps to achieve a more stable and faster telephone fee transaction request process.

[0026] According to an embodiment of the present application, a method embodiment of service processing is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0027] Figure 1 is a flowchart of an optional service processing method provided according to an embodiment of the present application, such as Figure 1 As shown, the method comprises the following steps:

[0028] Step S102, in response to the transaction request of the payment account, determining a plurality of service accounts with different priorities according to the regional information of the payment account, wherein the priorities are determined according to the current service performance of the corresponding service accounts;

[0029] It is understood that when a transaction request initiated by a payment account is received, the priority of a series of service accounts is dynamically determined based on the regional information of the payment account. The priority of a service account is determined by its current service performance, including but not limited to indicators such as transaction request success rate, transaction speed, and transaction status. Service accounts with better service performance and stable current status are given priority for transaction request attempts. This mechanism can effectively improve the efficiency and success rate of transactions.

[0030] In an optional embodiment, multiple service accounts with different priorities are determined according to the regional information of the payment account, including: determining multiple initial accounts; determining the service coverage areas corresponding to the multiple initial accounts according to the regional information; screening the multiple initial accounts based on the service coverage areas corresponding to the multiple initial accounts and the maintenance status to determine the multiple service accounts.

[0031] It can be understood that multiple initial accounts are determined, and then, based on the regional information of the initial accounts, the service coverage of each initial account is further clarified. Based on the service coverage of these initial accounts, combined with the current maintenance status of the initial accounts, multiple service accounts are screened and determined. Through the screening mechanism of regional information, the use of unstable or inappropriate service accounts is avoided, ensuring that each transaction request is processed by the most prioritized and most appropriate account, and the available resources are effectively utilized.

[0032] In an optional embodiment, the method further includes: obtaining a numerical requirement for allowing a transaction response; determining a transaction amount carried in the transaction request; and allowing a response to the transaction request if the transaction amount meets the numerical requirement.

[0033] It can be understood that the numerical requirements for allowing transaction responses are obtained, and the transaction amount carried by the transaction request is determined. If the transaction amount meets the numerical requirements, such as within the minimum and maximum allowable amounts, the transaction request is determined to be valid and the transaction response processing is allowed. Quickly identifying and processing transaction requests that meet the preset numerical requirements avoids transaction request failures caused by payment accounts entering non-compliant amounts, reduces unnecessary payment account interactions and waiting time, and thus improves overall transaction efficiency and payment account transaction request experience.

[0034] Optionally, the numerical requirement includes two conditions: an integer value and an amount range. For example, if the transaction request is for phone bill recharge, the numerical requirement can be set to an integer recharge amount and a single recharge amount of no more than RMB 5,000. This can effectively prevent users from making mis-recharges and reduce unnecessary transaction problems.

[0035] Step S104, polling multiple service accounts in order according to the priority order and transaction request;

[0036] It is understandable that after screening and determining multiple service accounts, the service accounts will be tried one by one in order of priority to process the transaction requests initiated by the payment account. The priority is set based on the service performance of the service account. This enables seamless switching to the next service account without the payment account having to resubmit the transaction request or wait for a long time for processing. This significantly improves the transaction success rate and efficiency.

[0037] In an optional embodiment, multiple service accounts are polled in sequence according to priority order and transaction requests, including: determining a time range within which a transaction response is allowed according to a business type corresponding to the transaction request; allowing initiation of a polling process for the next service account after the current service account according to priority order when the current polling result of the current service account is a transaction failure and the current moment is within the time range; and sequentially polling multiple service accounts based on transaction requests in a manner that determines to initiate a polling process for the next service account.

[0038] It can be understood that after receiving a transaction request, a time range in which a transaction response is allowed is determined according to the business type. For example, it is set between 8:00 and 19:00 on weekdays to avoid transactions during the peak period of service account maintenance or at night, reducing unnecessary system load and transaction failures. Next, the system will poll the service accounts in order of priority. If the polling result of the current service account is a transaction failure, and the current moment is still within the time range in which the transaction response is allowed, the system will automatically initiate a polling attempt for the next service account until a service account that can successfully process the transaction is found or all service accounts are polled. This mechanism avoids transaction request attempts at inappropriate times. Even if the first transaction fails, other service accounts can be tried within a limited time window, which improves the transaction success rate and avoids invalid attempts during maintenance or non-working hours.

[0039] Optionally, polling can be performed in an intelligent routing manner, and the service account can be matched according to the priority of the rules configured in the background based on the three elements of the regional information, service account, and amount of a single transaction request. When the transaction request meets the conditions for switching the service account, the number of failed orders of the transaction request is determined according to the threshold of the number of failed orders of the transaction request to determine whether the number of failed orders of the currently allocated transaction request has reached the threshold. If the threshold is reached, the subsequent orders are automatically allocated to the next-level service account. That is, whether the subsequent orders are automatically allocated to the next-level service account is determined based on whether the number of failed orders of the service account transaction request has reached the threshold.

[0040] On the basis of intelligent routing, it is clear that after the transaction request fails, the intelligent routing retry process is executed, and the next service account is polled according to the configured routing service account rules, and then the new service account polled by the routing is used to make the transaction request business again until the business succeeds or there is no available service account. If the time to poll the next service account exceeds the specified time, for example: 19:00, even if the transaction request fails, the next service account will not be polled, and it will be directly treated as a transaction request failure, and then the payment account will be refunded.

[0041] In an optional embodiment, the method further includes: when the current polling result is a transaction failure and the current moment is not within the time range, feeding back to the payment account the transaction result as a transaction failure.

[0042] It is understandable that when processing a transaction through the current service account, if the transaction fails and the time at this time has exceeded the time range allowed for transaction response, the system will no longer try to poll the subsequent service account, but will directly feedback the transaction result to the payment account as a transaction failure. Comprehensive consideration of the transaction failure status and time range is used to process transaction requests more reasonably. This ensures that when a transaction fails, the system can respond quickly and notify the payment account in time, avoiding long waiting and uncertainty for the payment account, and also avoids unnecessary transaction retries at inappropriate times, ensuring the reasonable allocation and use of system resources.

[0043] In an optional embodiment, the method further includes: when the current service performance corresponding to the multiple service accounts respectively does not meet the predetermined performance threshold, waking up the cloud server whose service performance meets the predetermined performance threshold; and using the cloud server to process the transaction request.

[0044] It is understandable that the real-time performance indicators of all service accounts are continuously tested, such as transaction success rate, response time, and stability. When the service performance of multiple service accounts does not reach the set predetermined performance threshold, the system will automatically wake up the cloud server whose service performance meets the predetermined threshold. Cloud servers are usually dormant during off-peak hours or low loads to save resource costs. Once awakened, they will immediately join the transaction request processing and take on the task of processing transaction requests until the service performance of the current service account is restored to above the predetermined threshold or the cloud server completes all pending transaction requests. A dynamic wake-up mechanism for cloud servers is introduced to deal with extreme situations where the service performance of all current service accounts is lower than the predetermined threshold. Ensure that transaction requests can be processed in a timely manner even when all regular service accounts cannot meet performance requirements, avoiding transaction delays and failures.

[0045] Optionally, the cloud server can process transaction requests in multiple ways. For example, when the response is slow and the transaction failure rate increases during the peak period of transactions, when it is detected that the current processing performance of multiple service accounts has not reached the preset performance threshold, the cloud server is automatically awakened and scheduled to join the transaction processing task. According to the scale and type of the current transaction request, the corresponding computing resources are automatically allocated, and the transaction processing service is deployed to the cloud server to ensure that it can bear the additional load. In order to efficiently utilize the cloud server resources, a load balancing strategy is implemented to evenly distribute the transaction requests to multiple cloud servers to avoid single-point overload, and at the same time, the processing speed and success rate can be improved. After receiving the transaction request, the cloud server will perform data processing tasks, such as verifying transaction information, executing payment logic, and updating account status. At the same time, the cloud server is also responsible for data transmission and communication with external systems to ensure that the transaction can proceed smoothly. Once the transaction request is successfully processed, the cloud server will feedback the transaction result, such as the success or failure status. According to the feedback result, the payment account status is updated, the transaction result notification is pushed to the payment account, and the transaction log is recorded for subsequent analysis and auditing.

[0046] In an optional embodiment, multiple service accounts are polled in sequence according to priority order and transaction requests, including: determining a predetermined first desensitization strategy; obtaining a desensitized transaction request according to the first desensitization strategy; and polling multiple service accounts in sequence according to priority order and the desensitized transaction request.

[0047] It can be understood that a predetermined first desensitization strategy is determined, the first desensitization strategy is used to process sensitive information in the transaction request, a desensitized transaction request is obtained according to the first desensitization strategy, and multiple service accounts are polled according to the priority order and the desensitized transaction request. The adoption of the desensitization strategy significantly enhances the security and privacy protection of payment account data and reduces the risk of data leakage.

[0048] Optionally, the above-mentioned first desensitization strategy at least includes removing or replacing sensitive information in the transaction request, such as the real name, complete account number or certificate number of the payment account, etc., to protect the privacy and data security of the payment account, so as to ensure that even if data leakage occurs during the transmission or processing of the transaction request, the personal privacy of the payment account will not be directly exposed.

[0049] In an optional embodiment, the method also includes: determining a predetermined second desensitization strategy; obtaining response speed and network delay data corresponding to multiple service accounts respectively; based on the response speed and network delay data corresponding to the multiple service accounts respectively, using the second desensitization strategy for processing to obtain the current service performance corresponding to the multiple service accounts respectively.

[0050] It can be understood that the predetermined second desensitization strategy is first determined, and the response speed and network delay data of each service account are continuously collected or regularly obtained. Based on the collected response speed and network delay data, the second desensitization strategy is used for processing to obtain the current service performance corresponding to multiple service accounts. The second desensitization strategy is used to process the response speed and network delay data, so that the system can more safely and accurately evaluate the performance of the service account, providing strong data support for transaction service processing. The second desensitization strategy mainly targets technical performance data. Through specific processing methods, it can not only reflect the actual performance of the service account, but also avoid the security risks or performance fluctuations that may be caused by directly using the original data.

[0051] Optionally, the second desensitization strategy is used to desensitize the response speed data and network delay data of the service account to avoid privacy leakage and possible network attacks. For example: assign a randomly generated proxy identifier that is not related to performance to the service account to replace the original account identifier or merchant number. Use this proxy identifier in all internal and external communications to ensure that when an external system or data is leaked, it cannot be directly linked to a specific service account. The response speed and network delay data of multiple service accounts can also be aggregated, such as calculating the average, median, or grouping statistics by time period, province, or operator to avoid directly exposing the performance data of a single account.

[0052] Optionally, obtaining response speed and network delay data corresponding to multiple service accounts respectively includes at least processing the data, and the data processing includes standardization and normalization of the data, or using technologies such as sliding windows to smooth fluctuations in network delay and response speed, thereby ensuring that the calculated performance indicators are more stable and reliable.

[0053] Optionally, the data standardization processing method can be multiple, for example, performing a linear transformation on the original data to make it conform to a specific standard format, such as converting the data into values ​​with the same scale, such as between 0 and 1 or between -1 and 1. Standardization processing can eliminate the impact of dimension or magnitude differences in the performance data of different service accounts, so that the system can more objectively and accurately compare and evaluate the real-time performance of each service account.

[0054] Optionally, the data normalization processing method can be multiple, for example, scaling the data to a fixed range, such as 0 to 1. Similar to standardization, the purpose of normalization is to make the data more uniform during processing and analysis, so that the system can identify which service accounts have better response speed and lower network latency, thereby making more accurate choices when making routing decisions.

[0055] Optionally, the above sliding window technology can be multiple, for example, by collecting and analyzing the response speed and network delay data of the service account within a certain time window, the performance fluctuation of the service account can be monitored in real time. The sliding window technology can smooth the data fluctuations in the short term, filter out the influence of outliers, and make the calculated performance indicators more stable and reliable. For example, the system can set a 10-minute sliding window to continuously update the average response time and network delay of the service account as the basis for performance evaluation.

[0056] Step S106, until the target service account among the multiple service accounts completes the transaction request, the transaction result is fed back to the payment account as a successful transaction.

[0057] It can be understood that after polling multiple service accounts, the target service account finally successfully completes the transaction request and immediately feeds back the transaction result to the payment account as a successful transaction. Based on the confirmation that the target service account successfully responds to the transaction request, it ensures that the payment account can know the transaction status in the first place, thus enhancing the payment account experience.

[0058] Through the above step S102, in response to the transaction request of the payment account, multiple service accounts with different priorities are determined according to the regional information of the payment account, wherein the priority is determined according to the current service performance of the corresponding service account; step S104, in accordance with the priority order and the transaction request, multiple service accounts are polled in sequence; step S106, until the target service account among the multiple service accounts completes the transaction request, the transaction result is fed back to the payment account as a successful transaction. The purpose of improving the success rate of transaction service processing can be achieved, and the technical effect of enhancing the stability of the transaction service processing process is achieved, thereby solving the technical problem of insufficient stability of the transaction service processing process existing in the related technology.

[0059] Based on the above embodiments and optional embodiments, the present application proposes an optional implementation mode, which takes an example of an application scenario in which the transaction request is a phone bill recharge, and can also be applied to life payment scenarios such as water and electricity payment. Figure 2 is a first schematic diagram of an optional service processing method provided according to an embodiment of the present application, such as Figure 2 As shown in the figure, the intelligent routing retry flow chart is described in detail below.

[0060] Step S1, configure the routing service account matching rules; the following parameters need to be configured: regional information: such as the province name; service account; service account code: the service account number used for the call fee transaction request; transaction amount range: including the minimum amount and the maximum amount. If the transaction amount is within the configured amount range, it means that this service account is available; maintenance time: including the start time and the end time. Indicates that this service account is in maintenance status within this time range and is unavailable. Failure rate threshold: the number of failed service account transaction request orders; status: available / unavailable.

[0061] When a transaction request is received, a time range is determined based on the business type to allow transaction responses. For example, it is set between 8:00 and 19:00 on weekdays to avoid transactions during the peak maintenance period of service accounts or at night, reducing unnecessary system load and transaction failures. Maintenance time is time outside the transaction response time range. Next, the system will poll the service accounts in order of priority. If the polling result of the current service account is a transaction failure, and the current moment is still within the time range for allowing transaction responses, the system will automatically initiate a polling attempt for the next service account until a service account that can successfully process the transaction is found or all service accounts are polled. This mechanism avoids transaction request attempts at inappropriate times. Even if the first transaction fails, other service accounts can be tried within a limited time window, which improves the transaction success rate and avoids invalid attempts during maintenance or non-working hours.

[0062] Step S2, the payment account initiates a transaction request; Figure 3 is a second schematic diagram of an optional service processing method provided according to an embodiment of the present application, such as Figure 3 As shown, the payment account selects a specific transaction request. After the payment account submits the order:

[0063] (1) The phone bill product layer performs a series of checks on the transaction request parameters initiated by the payment account, such as whether the order amount meets the requirements, whether the amount is an integer, whether it is within the transaction amount range, whether the service accounts in each region are maintained, etc. If the check fails, the front-end returns that the order failed and the process ends. When the check passes, the phone bill routing order interface request parameters provided by the settlement platform are encapsulated:

[0064] Request order number, order amount, deduction number, business number, service account and region to which the business number belongs, etc. The service account number is not transmitted, because the service account number used in this call fee transaction request is matched by the debit platform according to the intelligent routing rules.

[0065] (2) When the settlement platform receives a call fee transaction request, it matches the service account number list according to the intelligent routing rules, sorts the service account numbers according to priority, and puts them into the cache so that when the call fee transaction fails later, the routing can be retried.

[0066] (3) The settlement platform takes the first (i.e., the best) service account number in the list matched by the intelligent routing and calls the unified trading platform order interface. After the settlement platform successfully places the order, it returns the order success result parameters to the phone bill product layer. The phone bill product layer encapsulates and pulls up the cash register parameters based on the settlement platform order result parameters, and then returns them to the mobile phone front end.

[0067] Regional service account priority design, for example: matching routing rule priority is:

[0068] A certain region - service account > A certain region - the entire network > All regions - service accounts > All regions - the entire network > Default service account.

[0069] Continuously monitor the real-time performance indicators of all service accounts, such as transaction success rate, response time, and stability. When the service performance of multiple service accounts does not reach the set predetermined performance threshold, the system will automatically wake up the cloud server whose service performance meets the predetermined threshold. Cloud servers are usually dormant during off-peak hours or low loads to save resource costs. Once awakened, they will immediately join the transaction request processing and take on the task of processing transaction requests until the service performance of the current service account recovers to above the predetermined threshold or the cloud server completes all pending transaction requests. A dynamic wake-up mechanism for cloud servers is introduced to deal with extreme situations where the service performance of all current service accounts is below the predetermined threshold. Ensure that transaction requests can be processed in a timely manner even when all regular service accounts cannot meet performance requirements, avoiding transaction delays and failures.

[0070] In the case of slow response and high transaction failure rate during the peak period of transactions, when it is detected that the current processing performance of multiple service accounts has not reached the preset performance threshold, the cloud server is automatically awakened and scheduled to join the transaction processing task. According to the scale and type of the current transaction request, the corresponding computing resources are automatically allocated, and the transaction processing service is deployed to the cloud server to ensure that it can bear the additional load. In order to efficiently utilize the cloud server resources, a load balancing strategy is implemented to evenly distribute the transaction requests to multiple cloud servers to avoid single point overload, while also improving the processing speed and success rate. After receiving the transaction request, the cloud server will perform data processing tasks, such as verifying transaction information, executing payment logic, and updating account status. At the same time, the cloud server is also responsible for data transmission and communication with external systems to ensure that the transaction can proceed smoothly. Once the transaction request is successfully processed, the cloud server will feedback the transaction result, such as success or failure status. According to the feedback result, the payment account status is updated, the transaction result notification is pushed to the payment account, and the transaction log is recorded for subsequent analysis and auditing.

[0071] A predetermined first desensitization strategy is determined, and the first desensitization strategy is used to process sensitive information in the transaction request. According to the first desensitization strategy, a desensitized transaction request is obtained, and multiple service accounts are polled according to the priority order and the desensitized transaction request. The adoption of the desensitization strategy significantly enhances the security and privacy protection of payment account data and reduces the risk of data leakage. Removing or replacing sensitive information in the transaction request, such as the real name of the payment account, the complete bank card number or ID number, etc., is used to protect the privacy and data security of the payment account to ensure that even if data leakage occurs during the transmission or processing of the transaction request, the personal privacy of the payment account will not be directly exposed.

[0072] Determine the predetermined second desensitization strategy, continuously collect or periodically obtain the response speed and network delay data of each service account, and use the second desensitization strategy to process the collected response speed and network delay data to obtain the current service performance corresponding to multiple service accounts. The second desensitization strategy is used to process the response speed and network delay data, so that the system can more safely and accurately evaluate the performance of the service account, providing strong data support for transaction service processing. This strategy mainly targets technical performance data. Through specific processing methods, it can not only reflect the actual performance of the service account, but also avoid the security risks or performance fluctuations that may be caused by directly using the original data. Data processing includes data standardization and normalization, or the use of technologies such as sliding windows to smooth the fluctuations of network delay and response speed, ensuring that the calculated performance indicators are more stable and reliable.

[0073] Perform a linear transformation on the raw data to make it conform to a specific standard format, such as converting the data to values ​​with the same scale, such as between 0 and 1 or -1 and 1. Standardization can eliminate the impact of differences in dimensions or magnitudes in the performance data of different service accounts, allowing the system to more objectively and accurately compare and evaluate the real-time performance of each service account. Alternatively, scale the data to a fixed range, such as 0 to 1. Similar to standardization, the purpose of normalization is to make the data more uniform during processing and analysis, so that the system can identify which service accounts have better response speeds and lower network latency, thereby making more accurate choices when making routing decisions.

[0074] The above sliding window technology can be of various types. For example, by collecting and analyzing the response speed and network delay data of the service account within a certain time window, the performance fluctuation of the service account can be monitored in real time. The sliding window technology can smooth out the data fluctuations in the short term, filter out the influence of outliers, and make the calculated performance indicators more stable and reliable. For example, the system can set a 10-minute sliding window to continuously update the average response time and network delay of the service account as the basis for performance evaluation.

[0075] Step S3, the payment account pulls up the cashier to pay, and then the payment account enters the payment password to initiate payment.

[0076] Step S4, payment result notification: the unified transaction platform notifies the payment result to the account settlement platform in the form of a message queue, and then the account settlement platform notifies the call fee product layer in the same way.

[0077] Step S5, service account cancellation, i.e., making a call fee transaction request; when the account cancellation platform receives the payment success result from the unified transaction platform, if the payment fails, it will handle the failure and the process ends; if it succeeds, the service account cancellation will be carried out, i.e., a call fee transaction request will be initiated to the SGW platform. When the SGW platform receives the call fee transaction request, it will perform the call fee transaction request operation and return the call fee transaction request acceptance result to the account cancellation platform.

[0078] Step S6, notification of call charge transaction request result; SGW will notify the account settlement platform of the final call charge transaction request result in the form of a message queue.

[0079] (1) When the account settlement platform receives the result of the successful call fee transaction request from the SGW, it notifies the call fee product layer in the same way. When the call fee product layer receives the result of the successful call fee transaction request from the account settlement platform, it informs the payment account of the success of the call fee transaction request by means of a push message.

[0080] (2) When the settlement platform receives the result of the call fee transaction request failure notified by the SGW, if the time to poll the next service account does not exceed the specified time, the next service account code of the route is obtained from the cached service account code list and the call fee transaction request service is performed again until the service is successful or there is no available service account code. If the time to poll the next service account exceeds the specified time, even if the call fee transaction request fails, the next service account will not be polled, and it will be directly treated as a call fee transaction request failure, and then a refund will be made to the payment account. The settlement platform notifies the call fee transaction request result to the call fee product layer. When the call fee product layer receives the call fee transaction request result from the settlement platform, it informs the payment account of the success / failure of the call fee transaction request by means of message push.

[0081] The above optional implementation method can achieve at least the following effects: the intelligent routing retry mechanism can dynamically adjust the transaction route according to the real-time service account status and historical failure rate. Even when a service account fails or is under maintenance, the system can quickly switch to the backup service account, significantly improving the overall success rate of transaction requests and reducing transaction interruptions and failures. The dynamic addition and performance optimization strategy of the cloud server ensures that transaction requests can be processed quickly. At the same time, the intelligent routing decision based on response speed and network latency further accelerates the transaction arrival speed and provides payment accounts with an instant transaction service experience.

[0082] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0083] In this embodiment, a service processing device is also provided, which is used to implement the above-mentioned embodiments and preferred implementation modes, and the descriptions that have been made will not be repeated. As used below, the terms "module" and "device" can implement a combination of software and / or hardware for a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0084] According to an embodiment of the present application, a device embodiment for implementing the service processing method is also provided. Figure 4 is a schematic diagram of an optional service processing method device provided according to an embodiment of the present application, such as Figure 4 As shown, the service processing device includes a service account determination module 402, a service account polling module 404, and a transaction result feedback module 406. The device is described below.

[0085] A service account module 402, configured to determine, in response to a transaction request of a payment account, a plurality of service accounts with different priorities according to the regional information of the payment account, wherein the priorities are determined according to the current service performance of the corresponding service accounts;

[0086] A polling service account module 404, connected to the service account module 402, is used to poll multiple service accounts in sequence according to the priority order and the transaction request;

[0087] The transaction result feedback module 406 is connected to the polling service account module 404 and is used to feedback the transaction result that the transaction is successful to the payment account until the target service account among the multiple service accounts completes the transaction request.

[0088] In a service processing device provided by an embodiment of the present application, a service account module 402 is set to respond to a transaction request of a payment account and determine multiple service accounts with different priorities according to the regional information of the payment account, wherein the priority is determined according to the current service performance of the corresponding service account; a polling service account module 404 is connected to the service account module 402 and is used to poll multiple service accounts in sequence according to the priority order and the transaction request; and a feedback transaction result module 406 is connected to the polling service account module 404 and is used to feedback the transaction result to the payment account until the target service account among the multiple service accounts completes the transaction request, and the transaction result is fed back to the payment account as a successful transaction. The purpose of improving the success rate of transaction service processing is achieved, and the technical effect of enhancing the stability of the transaction service processing process is achieved, thereby solving the technical problem of insufficient stability of the transaction service processing process existing in the related technology.

[0089] It should be noted that the above modules can be implemented by software or hardware. For example, for the latter, it can be implemented in the following ways: the above modules can be located in the same processor; or the above modules can be located in different processors in any combination.

[0090] It should be noted that the above-mentioned service account determination module 402, polling service account module 404, and transaction result feedback module 406 correspond to steps S102 to S106 in the embodiment, and the examples and application scenarios implemented by the above-mentioned modules and corresponding steps are the same, but are not limited to the contents disclosed in the above-mentioned embodiment. It should be noted that the above-mentioned modules as part of the device can be run in a computer terminal.

[0091] It should be noted that the optional or preferred implementation of this embodiment can refer to the relevant description in the embodiment, which will not be repeated here.

[0092] The service processing device may further include a processor and a memory. The service account determination module 402, the polling service account module 404, the transaction result feedback module 406, etc. are all stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

[0093] The processor includes a kernel, which retrieves the corresponding program unit from the memory. There can be one or more kernels. The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one storage chip.

[0094] An embodiment of the present application provides a non-volatile storage medium on which a program is stored, and when the program is executed by a processor, a service processing method is implemented.

[0095] The embodiment of the present application provides an electronic device, which includes a processor, a memory, and a program stored in the memory and can be run on the processor. When the processor executes the program, the following steps are implemented: in response to a transaction request of a payment account, multiple service accounts with different priorities are determined according to the regional information of the payment account, wherein the priority is determined according to the current service performance of the corresponding service account; multiple service accounts are polled in sequence according to the priority order and the transaction request; until the target service account among the multiple service accounts completes the transaction request, the transaction result is fed back to the payment account as a successful transaction. The device in this article can be a server, a PC, etc.

[0096] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing a program that initializes the following method steps: in response to a transaction request of a payment account, determining multiple service accounts with different priorities according to the regional information of the payment account, wherein the priority is determined according to the current service performance of the corresponding service account; polling the multiple service accounts in sequence according to the priority order and the transaction request; until a target service account among the multiple service accounts completes the transaction request, and feeding back to the payment account the transaction result that the transaction is successful.

[0097] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0098] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0099] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0100] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0101] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0102] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0103] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0104] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0105] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0106] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.

Claims

1. A service processing method, characterized in that: include: In response to a transaction request of a payment account, determining a plurality of service accounts with different priorities according to the regional information of the payment account, wherein the priorities are determined according to current service performance of the corresponding service accounts; polling the multiple service accounts in sequence according to the priority order and the transaction request; Until the target service account among the multiple service accounts completes the transaction request, the transaction result is fed back to the payment account as a successful transaction.

2. The method according to claim 1, characterized in that The determining of a plurality of service accounts with different priorities according to the regional information of the payment account includes: Identify multiple initial accounts; Determining, according to the regional information, service coverage areas corresponding to the multiple initial accounts respectively; Based on the service coverages and maintenance statuses respectively corresponding to the multiple initial accounts, the multiple initial accounts are screened to determine the multiple service accounts.

3. The method according to claim 1, characterized in that The method further comprises: Get the value requirements that allow transaction responses; Determining the transaction amount carried in the transaction request; In the case where the transaction amount meets the numerical requirement, the transaction request is allowed to be responded to.

4. The method according to claim 1, characterized in that The step of polling the plurality of service accounts in sequence according to the priority order and the transaction request includes: Determine a time range within which a transaction response is allowed according to the business type corresponding to the transaction request; According to the priority order, when the current polling result of the current service account is a transaction failure and the current time is within the time range, it is allowed to initiate a polling process for the next service account after the current service account; Initiating a polling process on the next service account is determined, and the multiple service accounts are polled in sequence based on the transaction request.

5. The method according to claim 4, characterized in that The method further comprises: When the current polling result is a transaction failure and the current time is not within the time range, the transaction result is fed back to the payment account as a transaction failure.

6. The method according to claim 1, characterized in that The method further comprises: When the current service performances corresponding to the multiple service accounts do not meet the predetermined performance threshold, waking up the cloud server whose service performance meets the predetermined performance threshold; The cloud server is used to process the transaction request.

7. The method according to any one of claims 1 to 6, characterized in that The step of polling the plurality of service accounts in sequence according to the priority order and the transaction request includes: Determining a predetermined first desensitization strategy; Obtaining a desensitized transaction request according to the first desensitization strategy; The multiple service accounts are polled in sequence according to the priority order and the desensitized transaction request.

8. The method according to any one of claims 1 to 6, characterized in that The method further comprises: Determine the intended second desensitization strategy; Obtaining response speed and network delay data corresponding to the multiple service accounts respectively; Based on the response speed and network delay data respectively corresponding to the multiple service accounts, the second desensitization strategy is adopted for processing to obtain the current service performance respectively corresponding to the multiple service accounts.

9. A service processing device, characterized in that: include: a service account determination module, configured to determine, in response to a transaction request of a payment account, a plurality of service accounts with different priorities according to the regional information of the payment account, wherein the priorities are determined according to the current service performance of the corresponding service accounts; A polling service account module, used to poll the multiple service accounts in sequence according to the priority order and the transaction request; The module for feeding back transaction results is used to feed back transaction results indicating that the transaction is successful to the payment account until the target service account among the multiple service accounts completes the transaction request.

10. A non-volatile storage medium, characterized in that: The non-volatile storage medium stores a plurality of instructions, and the instructions are suitable for being loaded by a processor and executing the service processing method described in any one of claims 1 to 8.

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