Transaction method and device, equipment, storage medium and product

Abstract

The invention discloses a transaction method and device, equipment, a storage medium and a product, and relates to the technical field of data processing, and the transaction method comprises the steps: determining transaction information corresponding to a transaction request when the transaction request of a user is detected; determining a target routing channel according to the transaction information; and determining routing parameter information based on the target routing channel, and completing a transaction corresponding to the transaction request based on the routing parameter information. The target routing channel is determined according to the transaction information, the routing parameter information is determined based on the target routing channel, and the transaction corresponding to the transaction request is completed based on the routing parameter information. Compared with an existing mode that only a single operation mechanism is supported when a hard wallet is used for transaction, the payment routing decision and selection can be carried out in the transaction, and the transaction flexibility and the user experience feeling are improved.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to transaction methods, apparatus, equipment, storage media and products. Background Technology

[0002] The SIM card hardware wallet links the digital yuan software wallet to the super SIM card, enabling the SIM card to perform digital yuan payment functions. This product achieves cross-border innovation between finance and communications, allowing payments even without power or network access, making digital yuan payments more convenient and user-friendly. However, existing SIM card hardware wallets generally only support one operator and require custom development. Adding new operators requires separate custom development and integration, resulting in poor payment flexibility and a less than ideal user experience. Summary of the Invention

[0003] The main purpose of this application is to provide a transaction method, device, equipment, storage medium and product, which aims to solve the technical problem that existing SIM card hardware wallets require separate customized development and integration when adding new operating institutions, resulting in low usage efficiency.

[0004] To achieve the above objectives, this application proposes a transaction method, which includes:

[0005] Upon detecting a user's transaction request, determine the transaction information corresponding to the transaction request;

[0006] The target routing channel is determined based on the transaction information;

[0007] Based on the target routing channel, determine the routing parameter information, and complete the transaction corresponding to the transaction request based on the routing parameter information.

[0008] Optionally, the step of determining the target routing channel based on the transaction information includes:

[0009] Merchant information is determined based on the transaction information;

[0010] Based on the merchant information, determine whether the transaction corresponding to the transaction information has a customized routing channel;

[0011] If the transaction corresponding to the transaction information has a customized routing channel, then the target routing channel is the customized routing channel.

[0012] Optionally, after the step of determining whether the transaction corresponding to the transaction information has a customized routing channel based on the merchant information, the method further includes:

[0013] If the transaction corresponding to the transaction information does not have a customized routing channel, then obtain the wildcard information corresponding to the transaction information;

[0014] The routing channels are filtered based on the wildcard information to obtain a list of routing channels;

[0015] The target routing channel is determined based on the routing channel list.

[0016] Optionally, the step of determining the target routing channel based on the routing channel list includes:

[0017] Determine the priority of each routing channel in the routing channel list;

[0018] The routing channel with the highest priority is determined based on the aforementioned priority.

[0019] If there is more than one routing channel with the highest priority, then obtain the information of the operating organization corresponding to the routing channel with the highest priority;

[0020] The target routing channel is determined based on the information from the operating organization.

[0021] Optionally, the step of determining the priority of each routing channel in the routing channel list includes:

[0022] Determine the operating organization information of the operating organization corresponding to each routing channel in the routing channel list;

[0023] The target weight information and scoring information of the operating organization are determined based on the operating organization information;

[0024] The priority of the routing channel is determined based on the target weight information and the scoring information.

[0025] Optionally, the step of determining routing parameter information based on the target routing channel includes:

[0026] Determine the interface request parameter information based on the target routing channel;

[0027] Determine the configuration file corresponding to the target routing channel;

[0028] Based on the configuration file, the interface request parameter information is dynamically mapped to obtain routing parameter information.

[0029] Furthermore, to achieve the above objectives, this application also proposes a trading device, the trading device comprising:

[0030] The detection module is used to determine the transaction information corresponding to the user's transaction request when the user's transaction request is detected.

[0031] The determination module is used to determine the target routing channel based on the transaction information;

[0032] The transaction module is used to determine routing parameter information based on the target routing channel and complete the transaction corresponding to the transaction request based on the routing parameter information.

[0033] In addition, to achieve the above objectives, this application also proposes a trading device, the device comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, the computer program being configured to implement the steps of the trading method as described above.

[0034] In addition, to achieve the above objectives, this application also proposes a storage medium, which is a computer-readable storage medium, on which a computer program is stored, and which, when executed by a processor, implements the steps of the transaction method described above.

[0035] In addition, to achieve the above objectives, this application also provides a computer program product, which includes a computer program that, when executed by a processor, implements the steps of the transaction method described above.

[0036] This application, upon detecting a user's transaction request, determines the transaction information corresponding to the request; determines a target routing channel based on the transaction information; determines routing parameter information based on the target routing channel; and completes the transaction corresponding to the request based on the routing parameter information. Because this application determines the target routing channel based on transaction information, determines routing parameter information based on the target routing channel, and completes the transaction corresponding to the request based on the routing parameter information, compared to existing methods using hardware wallets that only support a single operating institution, this application's method enables payment routing decisions and selection during transactions, improving transaction flexibility and user experience. Attached Figure Description

[0037] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0038] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0039] Figure 1 This is a flowchart illustrating the transaction method of this application in Embodiment 1.

[0040] Figure 2 This is a flowchart illustrating the transaction method of Embodiment 2 in this application.

[0041] Figure 3 This is a schematic diagram of the overall architecture provided for Embodiment 2 of the transaction method of this application;

[0042] Figure 4 This is a schematic diagram of the module structure of the transaction device according to an embodiment of this application;

[0043] Figure 5 This is a schematic diagram of the device structure of the hardware operating environment involved in the transaction method in the embodiments of this application.

[0044] The purpose, features, and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0045] It should be understood that the specific embodiments described herein are merely illustrative of the technical solutions of this application and are not intended to limit this application.

[0046] To better understand the technical solution of this application, a detailed description will be provided below in conjunction with the accompanying drawings and specific implementation methods.

[0047] The main solution of this application embodiment is as follows: upon detecting a user's transaction request, determine the transaction information corresponding to the transaction request; determine the target routing channel based on the transaction information; determine routing parameter information based on the target routing channel; and complete the transaction corresponding to the transaction request based on the routing parameter information. Since this application determines the target routing channel based on the transaction information, determines the routing parameter information based on the target routing channel, and completes the transaction corresponding to the transaction request based on the routing parameter information, compared to the existing method of using a hardware wallet for transactions that only supports a single operating institution, the above method of this application can make payment routing decisions and selections during transactions, improving transaction flexibility and user experience.

[0048] It should be noted that the executing entity in this embodiment can be a computing service device with data processing, network communication, and program execution functions, such as a tablet computer, personal computer, or mobile phone, or an electronic device or transaction device capable of performing the above functions. The following description uses a transaction device as an example to illustrate this embodiment and the subsequent embodiments.

[0049] Based on this, the embodiments of this application provide a transaction method, referring to... Figure 1 , Figure 1 This is a flowchart illustrating the transaction method of this application, as shown in Embodiment 1.

[0050] In this embodiment, the transaction method includes the following steps:

[0051] Step S10: When a user's transaction request is detected, determine the transaction information corresponding to the transaction request;

[0052] It should be noted that the transaction request can be a user-triggered transaction request made through a SIM hardware wallet, carrying transaction information. This information may include the transaction amount, time, product number, sub-merchant number, and main merchant number (i.e., channel number). The main merchant number (channel number) is a unique identifier for the main merchant, used to distinguish different merchant entities. The sub-merchant number typically refers to a subordinate merchant authorized and managed by the main merchant (also known as a service provider or master merchant) within a large merchant system. In payment systems, the sub-merchant model is common among platform companies or service providers that need to provide payment services to multiple merchants. The product number identifies a specific payment product or service.

[0053] Step S20: Determine the target routing channel based on the transaction information;

[0054] It should be noted that the routing channel corresponds to the operating institution that completes the transaction, i.e., the bank. Determining the target routing channel based on the transaction information can be done by determining the corresponding routing channel for completing the transaction based on the payment method (i.e., the operating institution) specified by the user in the transaction information. There is a one-to-one correspondence between the operating institution and the routing channel.

[0055] Step S30: Determine routing parameter information based on the target routing channel, and complete the transaction corresponding to the transaction request based on the routing parameter information.

[0056] It should be noted that determining the routing parameter information based on the target routing channel can be achieved by assembling information such as the sub-merchant number, product number, and operator-side key, order number, etc., according to the target routing channel. Then, the transaction corresponding to the transaction request is completed based on the routing parameter information.

[0057] Furthermore, to avoid requiring independent custom development and integration for each new operating organization, the step of determining routing parameter information based on the target routing channel includes:

[0058] Determine the interface request parameter information based on the target routing channel;

[0059] Determine the configuration file corresponding to the target routing channel;

[0060] Based on the configuration file, the interface request parameter information is dynamically mapped to obtain routing parameter information.

[0061] It should be noted that the interface request parameter information may include the operator's key corresponding to the target routing channel, as well as parameter information required to complete the transaction, such as transaction amount, time, business ID, product ID, etc. The operator's key is used for encryption and identification of information. Since the interface parameters of each operator may differ, the transaction device may maintain configuration files for each operator for parameter conversion. The configuration files include mapping rules between the operator's interface parameter information and interface request parameter information. The dynamic mapping of the interface request parameter information based on the configuration file to obtain routing parameter information can be achieved by dynamically mapping the interface request parameter information according to the configuration file, resulting in routing parameter information that the operator can recognize, i.e., the payment request initiated to the operator.

[0062] In practice, since the interface parameters of each operating institution may differ, the transaction device sets up a dedicated front-end adapter for each institution. This adapter determines the payment routing and assembly parameters through steps S10 and S20, making calls for different operating institutions and adapting parameters to their specific interface requirements. To enhance adaptation flexibility, the adapter employs dynamic mapping technology, adjusting the adaptation logic in real time through parameter mapping rules in configuration files or the database, ensuring the transaction device can quickly respond to interface changes from different operating institutions. Upon successful adaptation, the transaction device immediately initiates a call to the operating institution's service, simultaneously logging all relevant request and response data for subsequent auditing and problem tracking. To optimize performance, asynchronous batch writing technology is used for log recording, minimizing the impact on the payment call process. If the operating institution call fails, the transaction device automatically initiates a fault recovery mechanism, reselecting the second-best operating institution routing channel in the payment routing decision. The new routing adaptation process will re-execute parameter adaptation based on the different operating institution interfaces, ultimately finding a successful operating institution payment channel to complete the transaction.

[0063] This embodiment, upon detecting a user's transaction request, determines the transaction information corresponding to the request; determines the target routing channel based on the transaction information; determines routing parameter information based on the target routing channel; and completes the transaction corresponding to the request based on the routing parameter information. Because this embodiment determines the target routing channel based on the transaction information, determines the routing parameter information based on the target routing channel, and completes the transaction corresponding to the request based on the routing parameter information, compared to the existing method of using a hardware wallet for transactions that only supports a single operating institution, this embodiment's method enables payment routing decisions and selection during transactions, improving transaction flexibility and user experience.

[0064] Based on the first embodiment of this application, in the second embodiment of this application, the content that is the same as or similar to that in the first embodiment described above can be referred to the above description, and will not be repeated hereafter. Based on this, please refer to... Figure 2 , Figure 2 This is a flowchart illustrating the transaction method of Embodiment 2 of this application. Step S20 further includes the following steps:

[0065] Step S201: Determine merchant information based on the transaction information;

[0066] It should be noted that the merchant information may include sub-merchant IDs or main business IDs, product IDs, etc.

[0067] Step S202: Determine whether the transaction corresponding to the transaction information has a customized routing channel based on the merchant information;

[0068] It should be noted that users can customize routing channels for merchants or products. This means that transactions for merchant A or product B are all completed by the operating organization X, ensuring that funds are used for their designated purpose. Therefore, determining whether a transaction corresponding to the merchant information has a customized routing channel based on the merchant information can involve querying whether the user has pre-defined a routing channel for the merchant (which could be a main merchant, a sub-merchant, or a product) or product corresponding to the merchant information.

[0069] Step S203: If the transaction corresponding to the transaction information has a customized routing channel, then the target routing channel is the customized routing channel.

[0070] In practice, if the transaction information corresponds to a transaction with a customized routing channel, then the target routing channel is the customized routing channel, that is, the transaction is completed through the target routing channel.

[0071] Furthermore, if the transaction corresponding to the transaction information does not have a customized routing channel, then the wildcard information corresponding to the transaction information is obtained;

[0072] The routing channels are filtered based on the wildcard information to obtain a list of routing channels;

[0073] The target routing channel is determined based on the routing channel list.

[0074] It's important to note that besides directly customizing routing channels, a wildcard (*) can also be used to determine the routing channel for a transaction. The transaction device checks whether the merchant ID (including the main merchant ID or sub-merchant ID) or product ID corresponding to the transaction information is configured with a wildcard. If a wildcard exists, it filters the results based on the wildcard matching criteria, retrieving a list of matching routing channels. Then, the routing channels in the list are sorted, and the top-ranked target routing channel is selected. The sorting can be based on user usage frequency.

[0075] Furthermore, in order to select the optimal routing channel, the step of determining the target routing channel based on the routing channel list includes:

[0076] Determine the priority of each routing channel in the routing channel list;

[0077] The routing channel with the highest priority is determined based on the aforementioned priority.

[0078] If there is more than one routing channel with the highest priority, then obtain the information of the operating organization corresponding to the routing channel with the highest priority;

[0079] The target routing channel is determined based on the information from the operating organization.

[0080] It should be noted that determining the priority of each routing channel in the routing channel list can be based on information such as the service stability, response speed, transaction costs, and cooperative relationship with the company of the corresponding operating organization. The operating organization information may include information such as the operating organization's historical transaction success rate, current network status, transaction fees, service stability, response speed, transaction costs, cooperative relationship with the company, and user preferences.

[0081] Furthermore, priorities are typically determined based on business needs and strategies, involving a comprehensive evaluation of multiple factors. These factors may include the operating organization's business stability, response speed, transaction costs, and cooperative relationship with the company. To quantify and rank these factors, this embodiment employs a multi-index decision-making algorithm (such as weighted scoring or analytic hierarchy process) to quantify these factors and determine the priority of routing channels. Specifically, the step of determining the priority of each routing channel in the routing channel list includes:

[0082] Determine the operating organization information of the operating organization corresponding to each routing channel in the routing channel list;

[0083] The target weight information and scoring information of the operating organization are determined based on the operating organization information;

[0084] The priority of the routing channel is determined based on the target weight information and the scoring information.

[0085] It should be noted that determining the target weight information of the operating institution based on the operating institution information can be done by assigning weights to each factor according to the importance of the business. For example, in this embodiment, the operating institution information for determining the priority of the routing channel includes business stability, response speed, transaction cost, and cooperative relationship. It can be set that business stability accounts for 60%, response speed for 20%, transaction cost for 15%, and cooperative relationship for 5%. This is just an example; the configuration can be customized in specific implementations. The scoring information can be achieved by setting a scoring standard (e.g., 1 to 10 points) for each factor of each operating institution, and then scoring them based on their actual performance to obtain the scoring information for each operating institution. Determining the priority of the routing channel based on the target weight information and the scoring information can be done using a weighted scoring method, multiplying the score of each factor by its weight, and then summing the results to obtain the comprehensive score for each operating institution. The specific formula can be found in the following formula:

[0086] Overall score = ∑(factor score × factor weight)

[0087] Then, all operating organizations are ranked according to their comprehensive scores. Organizations with higher scores have higher priority and are more likely to be selected in decision-making.

[0088] In the case where there are two or more operators with the highest and the same priority, this embodiment will further filter based on two conditions: priority and weight configuration. That is, obtain the operator information corresponding to the routing channel with the highest priority; and determine the target routing channel based on the operator information.

[0089] It should be noted that the weight configuration can be dynamically adjusted based on factors such as the operator's historical transaction success rate, current network status, transaction fees, and user preferences. This flexible configuration allows for further differentiation of the optimal payment route when priorities are the same. The specific calculation formula is as follows:

[0090]

[0091] Where α, β1, γ, δ, η, and λ are adjustable parameters used to control the degree of influence of different factors in the calculation. W represents the weighting factor, reflecting the proportion of influence of this factor. 成功率 W is the weighting factor corresponding to the historical transaction success rate. 网络 W represents the weight factor corresponding to the current network state. 费用 W is the weighting factor corresponding to transaction costs. 用户The weighting factors correspond to user preferences. Transaction volume is used to smooth the impact of historical success rates, making routes with higher transaction volumes have a greater influence on historical success rates. The current network state value is taken from the network connectivity success rate, while latency is a negative factor in the current network state, affecting route selection. Log(1 + transaction fee) is used to reduce the impact of transaction fees on the weights, thus avoiding excessively high fees in extreme cases. The user preference value is taken from the proportion of scenarios where the user uses this operator, and the user preference part also considers the exponential growth of recent transaction frequency to give more importance to frequently used operators. The score corresponding to the highest priority route channel is calculated using the above formula, and the route channel with the highest score is selected as the target route channel. If the selected route fails, the transaction device will execute a retry mechanism, selecting from the remaining second-best payment route channels, and so on, until a successful operator payment route is finally found.

[0092] In specific implementation, it can be referred to Figure 3 , Figure 3 This is a schematic diagram of the overall architecture provided for Embodiment 2 of the transaction method of this application. The overall architecture of the business scenario in this embodiment includes: SIM hard wallet payment service, multi-institution routing service module, and operating institution service. The SIM hard wallet payment service is initiated by the mobile payment service calling relevant interfaces to complete the installation of the SIM hard wallet card application and to encapsulate the SIM hard wallet payment service. The multi-institution routing service module makes payment routing decisions, then adapts to the services of various operating institutions and encapsulates them into a standard multi-institution routing service to facilitate easy access to more operating institution services, thereby better supporting the rapid development of the SIM hard wallet payment business. The operating institution service module, where operating institutions refer to various banks, is used to encapsulate the digital RMB based on the SIM hard wallet payment service interface, providing the underlying digital RMB payment capabilities for the SIM hard wallet.

[0093] This embodiment determines merchant information based on the transaction information; it then determines whether the transaction corresponding to the transaction information has a customized routing channel based on the merchant information; if the transaction corresponding to the transaction information has a customized routing channel, the target routing channel is the customized routing channel. This embodiment determines the target routing channel based on the transaction information, enabling the selection of the most suitable operating institution for the user and improving the user's transaction experience.

[0094] It should be noted that the above examples are only for understanding this application and do not constitute a limitation on the transaction methods of this application. Any simple modifications based on this technical concept are within the protection scope of this application.

[0095] This application also provides a trading device, please refer to... Figure 4 The transaction device includes:

[0096] The detection module 10 is used to determine the transaction information corresponding to the user's transaction request when the user's transaction request is detected;

[0097] The determination module 20 is used to determine the target routing channel based on the transaction information;

[0098] The transaction module 30 is used to determine routing parameter information based on the target routing channel and complete the transaction corresponding to the transaction request based on the routing parameter information.

[0099] This embodiment, upon detecting a user's transaction request, determines the transaction information corresponding to the request; determines the target routing channel based on the transaction information; determines routing parameter information based on the target routing channel; and completes the transaction corresponding to the request based on the routing parameter information. Because this embodiment determines the target routing channel based on the transaction information, determines the routing parameter information based on the target routing channel, and completes the transaction corresponding to the request based on the routing parameter information, compared to the existing method of using a hardware wallet for transactions that only supports a single operating institution, this embodiment's method enables payment routing decisions and selection during transactions, improving transaction flexibility and user experience.

[0100] The transaction device provided in this application, employing the transaction method described in the above embodiments, can solve the technical problem of low efficiency caused by the need for separate customized development and integration when adding new operating institutions to existing SIM card hardware wallets. Compared with the prior art, the beneficial effects of the transaction device provided in this application are the same as those of the transaction method provided in the above embodiments, and other technical features in the transaction device are the same as those disclosed in the methods of the above embodiments, and will not be repeated here.

[0101] This application provides a transaction device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, which are executed by the at least one processor to enable the at least one processor to perform the transaction method in Embodiment 1 above.

[0102] The following is for reference. Figure 5The diagram illustrates a structural schematic of a transaction device suitable for implementing embodiments of this application. The transaction device in the embodiments of this application may include, but is not limited to, mobile terminals such as mobile phones, laptops, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), in-vehicle terminals (e.g., in-vehicle navigation terminals), and fixed terminals such as digital TVs and desktop computers. Figure 5 The transaction device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of this application.

[0103] like Figure 5 As shown, the trading device may include a processing unit 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage device 1003 into a random access memory (RAM) 1004. The RAM 1004 also stores various programs and data required for the operation of the trading device. The processing unit 1001, ROM 1002, and RAM 1004 are interconnected via a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems can be connected to the I / O interface 1006: input devices 1007 including, for example, a touchscreen, touchpad, keyboard, mouse, image sensor, microphone, accelerometer, gyroscope, etc.; output devices 1008 including, for example, a liquid crystal display (LCD), speaker, vibrator, etc.; storage devices 1003 including, for example, magnetic tape, hard disk, etc.; and communication devices 1009. The communication device 1009 allows the trading device to communicate wirelessly or wiredly with other devices to exchange data. Although the figures show trading devices with various systems, it should be understood that implementation or possession of all the systems shown is not required. More or fewer systems may be implemented alternatively.

[0104] Specifically, according to the embodiments disclosed in this application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via a communication device, or installed from storage device 1003, or installed from ROM 1002. When the computer program is executed by processing device 1001, it performs the functions defined in the methods of the embodiments disclosed in this application.

[0105] The transaction device provided in this application, employing the transaction method described in the above embodiments, can solve the technical problem of low efficiency caused by the need for separate customized development and integration when adding new operating institutions to existing SIM card hardware wallets. Compared with the prior art, the beneficial effects of the transaction device provided in this application are the same as those of the transaction method provided in the above embodiments, and other technical features of the transaction device are the same as those disclosed in the previous embodiment method, and will not be repeated here.

[0106] It should be understood that the various parts disclosed in this application can be implemented using hardware, software, firmware, or a combination thereof. In the description of the above embodiments, specific features, structures, materials, or characteristics can be combined in any suitable manner in one or more embodiments or examples.

[0107] The above description is merely a specific embodiment of this application, but the scope of protection of this application is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in this application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

[0108] This application provides a computer-readable storage medium having computer-readable program instructions (i.e., a computer program) stored thereon, the computer-readable program instructions being used to execute the transaction method in the above embodiments.

[0109] The computer-readable storage medium provided in this application may be, for example, a USB flash drive, but is not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to: electrical connections having one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, system, or device. The program code contained on the computer-readable storage medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination thereof.

[0110] The aforementioned computer-readable storage medium may be included in the trading device; or it may exist independently and not assembled into the trading device.

[0111] Computer program code for performing the operations of this application can be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, and C++, and conventional procedural programming languages ​​such as the "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including a Local Area Network (LAN) or a Wide Area Network (WAN)—or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0112] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0113] The modules described in the embodiments of this application can be implemented in software or hardware. The names of the modules do not necessarily limit the functionality of the unit itself.

[0114] The readable storage medium provided in this application is a computer-readable storage medium that stores computer-readable program instructions (i.e., a computer program) for executing the above-described transaction method. This solves the technical problem that existing SIM card hardware wallets require separate custom development and integration when adding new operating institutions, resulting in low efficiency. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as those of the transaction method provided in the above embodiments, and will not be repeated here.

[0115] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the steps of the transaction method described above.

[0116] The computer program product provided in this application can solve the technical problem that existing SIM card hardware wallets require separate customized development and integration when adding new operating institutions, resulting in low efficiency. Compared with the prior art, the beneficial effects of the computer program product provided in this application are the same as those of the transaction method provided in the above embodiments, and will not be repeated here.

[0117] The above description is only a part of the embodiments of this application and does not limit the patent scope of this application. All equivalent structural transformations made under the technical concept of this application and using the contents of the specification and drawings of this application, or direct / indirect applications in other related technical fields, are included in the patent protection scope of this application.

Claims

1. A trading method, characterized in that, The trading method includes the following steps: Upon detecting a user's transaction request, determine the transaction information corresponding to the transaction request; The target routing channel is determined based on the transaction information; Based on the target routing channel, determine the routing parameter information, and complete the transaction corresponding to the transaction request based on the routing parameter information.

2. The transaction method as described in claim 1, characterized in that, The step of determining the target routing channel based on the transaction information includes: Merchant information is determined based on the transaction information; Based on the merchant information, determine whether the transaction corresponding to the transaction information has a customized routing channel; If the transaction corresponding to the transaction information has a customized routing channel, then the target routing channel is the customized routing channel.

3. The transaction method as described in claim 2, characterized in that, After the step of determining whether the transaction corresponding to the transaction information has a customized routing channel based on the merchant information, the method further includes: If the transaction corresponding to the transaction information does not have a customized routing channel, then obtain the wildcard information corresponding to the transaction information; The routing channels are filtered based on the wildcard information to obtain a list of routing channels; The target routing channel is determined based on the routing channel list.

4. The transaction method as described in claim 3, characterized in that, The step of determining the target routing channel based on the routing channel list includes: Determine the priority of each routing channel in the routing channel list; The routing channel with the highest priority is determined based on the aforementioned priority. If there is more than one routing channel with the highest priority, then obtain the information of the operating organization corresponding to the routing channel with the highest priority; The target routing channel is determined based on the information from the operating organization.

5. The transaction method as described in claim 4, characterized in that, The step of determining the priority of each routing channel in the routing channel list includes: Determine the operating organization information of the operating organization corresponding to each routing channel in the routing channel list; The target weight information and scoring information of the operating organization are determined based on the operating organization information; The priority of the routing channel is determined based on the target weight information and the scoring information.

6. The transaction method according to any one of claims 1-4, characterized in that, The step of determining routing parameter information based on the target routing channel includes: Determine the interface request parameter information based on the target routing channel; Determine the configuration file corresponding to the target routing channel; Based on the configuration file, the interface request parameter information is dynamically mapped to obtain routing parameter information.

7. A trading device, characterized in that, The transaction device includes: The detection module is used to determine the transaction information corresponding to the user's transaction request when the user's transaction request is detected. The determination module is used to determine the target routing channel based on the transaction information; The transaction module is used to determine routing parameter information based on the target routing channel and complete the transaction corresponding to the transaction request based on the routing parameter information.

8. A trading device, characterized in that, The device includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, the computer program being configured to implement the steps of the transaction method as described in any one of claims 1 to 6.

9. A storage medium, characterized in that, The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, it implements the steps of the transaction method as described in any one of claims 1 to 6.

10. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the steps of the transaction method as described in any one of claims 1 to 6.

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