Payment routing channel switching method, device, equipment, storage medium and product

Abstract

The application discloses a payment routing channel switching method and device, equipment, storage medium and product, relates to the financial technology field, and the payment routing channel switching method comprises the following steps: when the channel state of the existing payment routing channel is a preset state, acquiring the current gray scale ratio of the payment routing channel; according to the current gray scale ratio of the payment routing channel and order information of the payment routing channel in a target time period, determining the gray scale opening ratio of the payment routing channel; and controlling the payment routing channel to open according to the gray scale opening ratio. Through the above mode, the corresponding gray scale opening ratio is determined according to the current gray scale ratio of the payment routing channel and the order information of the payment routing channel in the target time period, and the channel is controlled to open according to the gray scale opening ratio, so that the automatic switching of the payment routing channel is realized, and the problem that the payment platform is greatly affected due to the failure or iterative update of the peripheral system can be quickly avoided.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to payment routing channel switching methods, devices, equipment, storage media, and products. Background Technology

[0002] Currently, when the payment system experiences iterative updates or production failures, the problem is only identified and the payment channel is manually switched after a system alarm is detected. Transactions affected before the payment channel is switched can easily have adverse effects on merchants and users. Therefore, how to quickly prevent external system failures or iterative updates from causing significant impacts on the payment platform has become an urgent problem to be solved. Summary of the Invention

[0003] The main purpose of this application is to provide a payment routing channel switching method, device, equipment, storage medium and product, which aims to solve the technical problem of how to quickly avoid the significant impact on the payment platform caused by failure or iterative updates of the peripheral system.

[0004] To achieve the above objectives, this application proposes a payment routing channel switching method, which includes:

[0005] When the channel status of the payment routing channel is a preset state, obtain the current grayscale ratio of the payment routing channel;

[0006] The grayscale activation ratio of the payment routing channel is determined based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period;

[0007] Control the payment routing channel to be activated according to the grayscale activation ratio.

[0008] In one embodiment, the step of determining the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period includes:

[0009] When the current grayscale ratio of the payment routing channel is the first grayscale ratio, the target order is determined based on the order information of the payment routing channel in the target time period;

[0010] The query probe for the target order is initiated through the payment routing channel, and the query probe result corresponding to the target order is obtained;

[0011] When the query detection result is a preset result, the grayscale opening ratio of the payment routing channel is determined to be the second grayscale ratio.

[0012] In one embodiment, after the step of initiating a query probe on the target order through the payment routing channel and obtaining the query probe result corresponding to the target order, the method further includes:

[0013] When the query detection result indicates that no query feedback information is received within a certain duration, the grayscale activation ratio of the payment routing channel is determined to be the first grayscale ratio; or,

[0014] When the query detection result is a received query failure message, the grayscale opening ratio of the payment routing channel is determined to be the first grayscale ratio.

[0015] In one embodiment, the step of determining the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period includes:

[0016] When the current grayscale ratio of the payment routing channel is not the first grayscale ratio, the order success rate is determined based on the order information of the payment routing channel in the target time period.

[0017] When the order success rate reaches a preset threshold, the current grayscale ratio is adjusted according to the ratio adjustment strategy to determine the grayscale opening ratio of the payment routing channel.

[0018] In one embodiment, before the step of obtaining the current grayscale ratio of the payment routing channel when the channel state of the existing payment routing channel is a preset state, the method further includes:

[0019] Obtain full order information for each payment routing channel within a preset time period;

[0020] Order statistics are performed based on the full order information of each payment routing channel to determine the target success rate and the number of failed orders for each payment routing channel;

[0021] When the target success rate and / or the number of failed orders of the payment routing channel meet the channel closure conditions, the payment routing channel is controlled to open according to the first grayscale ratio, and the channel status of the payment routing channel is determined to be the preset state.

[0022] In one embodiment, the channel closing condition includes at least one of the following:

[0023] The target success rate of the payment routing channel is lower than a preset threshold within a preset time period;

[0024] The number of failed orders in the payment routing channel within a preset time period exceeds the preset number.

[0025] Furthermore, to achieve the above objectives, this application also proposes a payment routing channel switching device, which includes:

[0026] The acquisition module is used to acquire the current grayscale ratio of the payment routing channel when the channel status of the existing payment routing channel is a preset state;

[0027] The processing module is used to determine the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period;

[0028] The control module is used to control the payment routing channel to be activated according to the grayscale activation ratio.

[0029] In addition, to achieve the above objectives, this application also proposes a payment routing channel switching 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 payment routing channel switching method as described above.

[0030] 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 when the computer program is executed by a processor, it implements the steps of the payment routing channel switching method described above.

[0031] 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 payment routing channel switching method described above.

[0032] This application achieves automatic switching of payment routing channels by obtaining the current grayscale ratio of the payment routing channel when the channel status is in a preset state; determining the grayscale activation ratio of the payment routing channel based on the current grayscale ratio and the order information of the payment routing channel in the target time period; and controlling the payment routing channel to activate according to the grayscale activation ratio. Through this method, by determining the corresponding grayscale activation ratio based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period, and controlling the channel to activate according to the grayscale activation ratio, automatic switching of payment routing channels is achieved. This can quickly avoid the problem of significant impact on the payment platform due to external system failures or iterative updates, effectively improving system stability and payment success rate while reducing system maintenance costs and the frequency of manual intervention. Attached Figure Description

[0033] 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.

[0034] 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.

[0035] Figure 1 This is a flowchart illustrating the payment routing channel switching method of this application in Implementation Example 1.

[0036] Figure 2 This is a schematic diagram of the system architecture for the payment routing channel switching method provided in Embodiment 1 of this application;

[0037] Figure 3 A schematic diagram of the execution module of the payment routing channel switching method provided in Embodiment 1 of this application;

[0038] Figure 4 This is a schematic diagram of the detection module's workflow for the payment routing channel switching method provided in Embodiment 1 of this application;

[0039] Figure 5 This is a flowchart illustrating Embodiment 2 of the payment routing channel switching method in this application.

[0040] Figure 6 This is a flowchart illustrating Embodiment 3 of the payment routing channel switching method in this application.

[0041] Figure 7 This is a simplified flowchart illustrating the payment routing channel switching method provided in Embodiment 3 of this application;

[0042] Figure 8 This is a schematic diagram of the module structure of the payment routing channel switching device according to an embodiment of this application;

[0043] Figure 9 This is a schematic diagram of the device structure of the hardware operating environment involved in the payment routing channel switching method in this application embodiment.

[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: when the channel status of the payment routing channel is a preset state, obtain the current grayscale ratio of the payment routing channel; determine the grayscale opening ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period; and control the payment routing channel to be opened according to the grayscale opening ratio.

[0048] Currently, payment platforms (such as the mobile payment platform Hebao) rely on the basic payment capabilities of the two major clearing organizations—UnionPay and NetsUnion—to expand their reach to merchants, provincial branches, and ordinary users, providing them with payment, payment on behalf, deduction, and merchant settlement capabilities. Payment capabilities are primarily used in various online and offline consumption scenarios, as well as account top-ups; payment on behalf capabilities are mainly used in reward distribution scenarios. However, with the rapid development of the internet economy, daily transactions are gradually increasing, and system updates are becoming more frequent. This also brings the risk of abnormal transactions due to system updates of the two clearing channels. For example, when the NetsUnion clearing platform upgrades its system, payment platforms need to manually switch payment channels to the UnionPay clearing platform in real time to avoid affecting normal transactions.

[0049] This application provides a solution that determines the corresponding grayscale opening ratio based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period, and controls the channel to open according to the grayscale opening ratio. This achieves automatic switching of the payment routing channel, which can quickly avoid the problem of significant impact on the payment platform due to failures or iterative updates of external systems. While effectively improving the stability of the system and the payment success rate, it also reduces the system maintenance cost and the frequency of manual intervention.

[0050] 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 a payment routing channel switching device capable of performing the above functions. The following description uses a payment routing channel switching device as the executing entity to illustrate this embodiment and the subsequent embodiments.

[0051] Based on this, this application provides a method for switching payment routing channels, referring to... Figure 1 , Figure 1 This is a flowchart illustrating the first embodiment of the payment routing channel switching method of this application.

[0052] In this embodiment, the payment routing channel switching method includes steps S10 to S30:

[0053] Step S10: When the channel status of the payment routing channel is a preset state, obtain the current grayscale ratio of the payment routing channel.

[0054] It should be noted that the payment routing channel switching device in this embodiment has built a corresponding payment routing channel switching system, as detailed below. Figure 2 As shown, it includes the following core modules: Data Acquisition Module: Responsible for real-time monitoring of payment transaction results and saving them to the database. Decision Module: Determines the on / off state of the channel based on transaction data and preset strategies. Execution Route Switching Module: Determines whether the current request has been closed. The difference and relationship between the Execution Route Switching Module and the Decision Module: The Decision Module only decides how much of the current grayscale should be opened; whether it takes effect is determined by the Execution Module. Query Probe Module: Automatically initiates a service to probe the status of the original channel after it is closed.

[0055] Specifically, the decision-making module is only used for making decisions; whether it takes effect is determined by the execution module. During automatic on / off degradation, the decision-making module continues to operate, but it will not actually shut down the channel. The execution module's workflow is as follows: Figure 3 As shown, the specific steps are as follows: 1. First, determine whether to manually close or timed close. If so, close directly. 2. If automatic switching is not enabled, return "valid". 3. Otherwise, read the result of the decision module. Here, it may be that 50% grayscale is enabled, so further grayscale calculation is needed. 4. Return the channel status: valid or closed.

[0056] In this embodiment, when the channel is closed, it is impossible to know when it will return to normal. At this time, the query detection module can be used to initiate a query detection service, that is, to retrieve the most recently successfully paid transaction and send a query to the channel. If the query is successful, it means that the channel can provide basic services, and the grayscale switch can be turned on. The specific workflow of the query detection module is as follows: Figure 4 As shown, specifically: 1. Scheduled task: If the on / off ratio is 0%, it means it's off, so the payment middle platform query interface is called to perform a query. The payment middle platform refers to the capability middle platform in the payment system; the query is for "the most recently successfully paid order". 2. If the query is successful, the first grayscale ratio is enabled, for example, 25%.

[0057] It should be understood that the preset state refers to the state in which the payment routing channel is not fully open. When the payment routing channel is fully closed or gray-scale open, it means that the channel is in the preset state. The current gray-scale ratio refers to the percentage of transaction volume allocated to the payment routing channel. For example, if the payment routing channel A is in the preset state and the current gray-scale ratio of channel A is 25%, it means that only 25% of new transaction requests will be directed to channel A for processing, while the remaining 75% of transactions will continue to be processed through other stable channels.

[0058] Understandably, when a payment routing channel is completely shut down and then put back into operation, in order to ensure that the channel has fully recovered and will not affect the user experience, it can be opened with a low gray-scale ratio first to monitor its performance. If the performance meets the requirements, the gray-scale ratio can be gradually increased until it is finally fully restored to 100%.

[0059] It is understandable that when the channel status of a payment routing channel is in a preset state, the current grayscale ratio of that payment routing channel is obtained, and the current grayscale ratio is in the range of [0%, 100%].

[0060] Step S20: Determine the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period.

[0061] It should be noted that the target time period refers to a specific time window, taking the current moment as the end point and counting backwards for a preset time length. In this embodiment, the preset time length is set to 5 minutes, but it can also be set to other values; this embodiment does not impose any restrictions on this. Order information includes multiple transaction orders, the transaction time of each transaction order, the order number of each transaction order, the completion status of each transaction order, and other relevant information.

[0062] Understandably, by analyzing order information from the payment routing channel within a target time period, the order success rate and the most recent successful order can be determined, thus providing the channel performance. This channel performance can then be used to determine whether to adjust the current grayscale ratio of the payment routing channel, thereby obtaining the grayscale activation ratio.

[0063] In one feasible implementation, step S20 may include steps A11 to A12:

[0064] Step A11: When the current grayscale ratio of the payment routing channel is not the first grayscale ratio, determine the order success rate based on the order information of the payment routing channel in the target time period.

[0065] It should be noted that the first grayscale ratio refers to 0%. When the current grayscale ratio of the payment routing channel is not the first grayscale ratio, it means that the payment routing channel is not completely closed. In this case, it is necessary to perform success rate statistics based on the order information of the payment routing channel in the target time period to determine the order success rate of the payment routing channel in the target time period.

[0066] Step A12: When the order success rate reaches a preset threshold, adjust the current grayscale ratio according to the ratio adjustment strategy to determine the grayscale opening ratio of the payment routing channel.

[0067] It should be noted that the preset threshold is set to 95% in this embodiment, but it can be adjusted to other values ​​as needed, and this embodiment does not impose any restrictions on this. During the gray-scale opening of the payment routing channel, the specific rules for gradually increasing the proportion of transactions processed by the channel are as follows: when the performance of the payment routing channel meets expectations (e.g., the order success rate reaches the preset threshold, the payment routing channel can return query information for orders normally, etc.). The proportion adjustment strategy aims to ensure that the payment platform can smoothly transition to the full opening of the payment routing channel, while minimizing the impact on user experience and enabling rapid response to potential problems. In this embodiment, the proportion adjustment strategy specifically involves gradually increasing the gray-scale proportion according to a preset incremental step size, which is set to 25%. This step size can also be adjusted as needed, and this embodiment does not limit the specific content of the proportion adjustment strategy.

[0068] Understandably, when the order success rate of the payment routing channel reaches a preset threshold within the target time period, the current grayscale ratio is adjusted through a ratio adjustment strategy to obtain the grayscale opening ratio of the payment routing channel.

[0069] In this embodiment, for example, when the current grayscale ratio of the payment routing channel is 25% and the order success rate reaches the preset success rate, the grayscale opening ratio of the payment routing channel is adjusted to 50%; when the current grayscale ratio of the payment routing channel is 50% and the order success rate reaches the preset success rate, the grayscale opening ratio of the payment routing channel is adjusted to 75%, and so on, until the payment routing channel is fully opened.

[0070] In practice, if the current grayscale ratio of the payment routing channel is not the first grayscale ratio and the order success rate does not reach the preset threshold, it means that the channel performance of the payment routing channel is not as expected. At this time, the payment routing channel needs to be closed, that is, the grayscale opening ratio of the payment routing channel is adjusted to the first grayscale ratio.

[0071] Step S30: Control the payment routing channel to be opened according to the grayscale opening ratio.

[0072] It should be noted that after determining the canary rollout ratio of the payment routing channel, the channel will be controlled to operate according to the canary rollout ratio, that is, transaction traffic will be allocated to the payment routing channel according to the canary rollout ratio. As the canary rollout ratio changes, the success rate of transaction orders and other key performance indicators (such as the number of failed orders) of the payment routing channel will be closely monitored to ensure that the channel's performance meets expectations. If the channel's performance is found to be unsatisfactory at any stage, it can be quickly rolled back to the previous canary rollout ratio, or even the channel can be completely shut down.

[0073] This embodiment obtains the current grayscale ratio of a payment routing channel when the channel status is in a preset state; determines the grayscale activation ratio of the payment routing channel based on the current grayscale ratio and the order information of the payment routing channel in the target time period; and controls the payment routing channel to activate according to the grayscale activation ratio. By determining the corresponding grayscale activation ratio based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period, and controlling the channel to activate according to the grayscale activation ratio, automatic switching of payment routing channels is achieved. This quickly avoids problems caused by external system failures or iterative updates that could significantly impact the payment platform. While effectively improving system stability and payment success rate, it also reduces system maintenance costs and the frequency of manual intervention.

[0074] 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 5 The payment routing channel switching method further includes steps S21 to S23 in step S20:

[0075] Step S21: When the current grayscale ratio of the payment routing channel is the first grayscale ratio, determine the target order based on the order information of the payment routing channel in the target time period.

[0076] It should be noted that when the current grayscale ratio of the payment routing channel is the first grayscale ratio, it means that the payment routing channel is completely closed. At this time, it is necessary to determine the most recent successful transaction order before the payment routing channel was completely closed, based on the order information of the payment routing channel within the target time period, and use this transaction order as the target order.

[0077] Step S22: Initiate a query probe on the target order through the payment routing channel to obtain the query probe result corresponding to the target order.

[0078] It should be noted that initiating an active query request for the target order through the payment routing channel to the corresponding clearing system (such as UnionPay or NetsUnion) is called query probing. Its purpose is to verify whether the payment routing channel can correctly process transaction queries. In this embodiment, query probing results include confirmation of successful order transaction from the upstream system (i.e., the clearing system), query failure from the upstream system, and no response after timeout from the upstream system.

[0079] In one feasible implementation, step S22 may include steps B11 to B12:

[0080] Step B11: When the query probe result indicates that no query feedback information has been received within the specified duration, determine that the grayscale activation ratio of the payment routing channel is the first grayscale ratio. Alternatively,

[0081] It should be noted that if no query feedback is received within a certain time after initiating a query probe, it indicates that the upstream system has timed out and has not responded, indicating that there is still a problem with the payment routing channel. In this case, the payment routing channel should be kept completely closed, that is, the gray-scale opening ratio of the payment routing channel is determined to be the first gray-scale ratio.

[0082] Step B12: When the query detection result is a received query failure message, determine the grayscale opening ratio of the payment routing channel as the first grayscale ratio.

[0083] It should be noted that if the query probe results in a query failure message from the upstream system after the query probe is initiated, it indicates that there is still a problem with the payment routing channel. In this case, the payment routing channel should be kept completely closed, that is, the gray-scale opening ratio of the payment routing channel is determined to be the first gray-scale ratio.

[0084] Step S23: When the query detection result is a preset result, determine the grayscale opening ratio of the payment routing channel as the second grayscale ratio.

[0085] It should be noted that the preset result is a confirmation of successful order transaction from the upstream system. When the query probe result is the preset result, it indicates that the payment routing channel is normal and can provide basic services, including but not limited to payment order requests, payment requests, and order queries. At this time, a gray-scale opening operation of the payment routing channel can be performed, that is, the gray-scale opening ratio of the payment routing channel is determined to be the second gray-scale ratio. In this embodiment, the second gray-scale ratio is set to 25%, but it can also be adjusted according to the situation. Since it is impossible to determine 100% whether the payment routing channel is completely problem-free, setting a gray-scale opening phase can ensure the stability of the transaction system. If the payment routing channel is indeed problem-free, the gray-scale switch can ensure a smooth transition of the system.

[0086] This embodiment determines the target order based on the order information of the payment routing channel within the target time period when the current grayscale ratio of the payment routing channel is the first grayscale ratio; it then initiates a query probe on the target order through the payment routing channel to obtain the query probe result corresponding to the target order; and when the query probe result is a preset result, it determines the grayscale opening ratio of the payment routing channel to the second grayscale ratio. This method ensures the stability of the transaction system.

[0087] Based on the first and / or second embodiments of this application, the content that is the same as or similar to the first and / or second embodiments described above in the third embodiment of this application can be referred to the above description and will not be repeated hereafter. Based on this, please refer to... Figure 6 Before step S10, the payment routing channel switching method further includes steps S11 to S13:

[0088] Step S11: Obtain the full order information of each payment routing channel within a preset time period.

[0089] It should be noted that when each payment routing channel is fully open, all order information for each payment routing channel within a preset time period is obtained. Full order information refers to all transaction records processed by the payment routing channel when it is fully open, including but not limited to multiple transaction orders, the transaction time of each transaction order, the order number of each transaction order, and the completion status of each transaction order. The preset time period refers to a specific time window, using the current moment as the end point and counting backwards for a preset time length. In this embodiment, the preset time length is set to 10 minutes, but it can also be set to other values; this embodiment does not impose any restrictions on this.

[0090] Understandably, when a payment routing channel is opened, for each payment routing channel, transaction result data will be collected and saved to the database. This data will include three order statuses: initialization (initialization is the sum of all successful and failed orders), success, and failure. The database will create three tables: full orders (only initialization orders are saved), as shown in Table 1; successful orders (only orders with successful payments are saved), as shown in Table 2; and failed orders (only orders with failed payments are saved), as shown in Table 3.

[0091] Table 1

[0092] Order time aisle Order number 202404210111 EPCC 005520240421011110000 202404210113 EPCC 005520240421011312589 202404210151 EPCC 005520240421015110165 202404210141 EPCC 005520240421014112584 202404210202 EPCC 005520240421020250350 202404210223 EPCC 005520240421022368594 202404210231 EPCC 005520240421023158746 202404210240 EPCC 005520240421024010580 202404210251 EPCC 005520240421025113642

[0093] Table 2

[0094] Order time aisle Order number 202404210111 EPCC 005520240421011110000 202404210113 EPCC 005520240421011312589 202404210151 EPCC 005520240421015110165 202404210223 EPCC 005520240421022368594 202404210231 EPCC 005520240421023158746 202404210240 EPCC 005520240421024010580 202404210251 EPCC 005520240421025113642

[0095] Table 3

[0096] Order time aisle Order number 202404210202 EPCC 005520240421020250350 202404210223 EPCC 005520240421022368594

[0097] Step S12: Perform order statistics based on the full order information of each payment routing channel to determine the target success rate and the number of failed orders for each payment routing channel.

[0098] It should be noted that, for each payment routing channel: statistics are compiled based on all order information to determine the order success rate and the number of failed orders for that payment routing channel within a preset time period. In this embodiment, the target success rate refers to the order success rate within the preset time period, and the target success rate = number of successful orders / total number of orders.

[0099] Step S13: When the target success rate and / or the number of failed orders of the payment routing channel meet the channel closure conditions, control the payment routing channel to open according to the first grayscale ratio, and determine the channel status of the payment routing channel to the preset state.

[0100] It should be noted that, in one feasible implementation, the channel closure conditions include at least one of the following: the target success rate of the payment routing channel is lower than a preset threshold within a preset time period; or the number of failed orders in the payment routing channel is greater than a preset number within a preset time period.

[0101] It is understandable that when the target success rate of a payment routing channel is lower than a preset threshold, or the number of failed orders in a payment routing channel is greater than a preset number, or the target success rate of a payment routing channel is lower than a preset threshold and the number of failed orders is greater than a preset number, then the payment routing channel is determined to meet the channel closure conditions. In this case, the payment routing channel needs to be closed, that is, the payment routing channel is controlled to be opened according to the first grayscale ratio.

[0102] In the specific implementation, when the channel status of the payment routing channel is not fully open, it means that the channel status of the payment routing channel is the preset state.

[0103] This embodiment acquires all order information for each payment routing channel within a preset time period; performs order statistics based on the all order information for each payment routing channel to determine the target success rate and the number of failed orders for each payment routing channel; when the target success rate and / or the number of failed orders for a payment routing channel meet the channel closure conditions, the payment routing channel is controlled to open according to a first grayscale ratio, and the channel status of the payment routing channel is determined to be a preset state. Through the above method, automatic switching of payment routing channels is achieved, ensuring fund security, channel stability, and a smooth payment process.

[0104] For example, to help understand the implementation process of the payment routing channel switching method obtained in this embodiment combined with the above embodiment one, please refer to... Figure 7 , Figure 7 This document provides a simplified flowchart of a payment routing channel switching method, specifically: 1. The channel is initially fully open. 2. At a specified time, the success rate is currently set at 95%, based on orders within the last 5 minutes. If the success rate falls below 95% within 5 minutes, the current channel will be closed. If the success rate falls below a threshold within 5 minutes or the number of failed orders exceeds a threshold within a specified time, the channel will be completely closed. 3. After closing the channel, a query probe is initiated using the most recently successful order. If the query fails, the channel remains closed. Data is collected through a data acquisition module, which extracts successful order numbers from the database and initiates an active query with the current channel's system (UnionPay / NetUnion channel): 1) If the upstream system returns a system timeout or query failure result during the query, the channel routing is closed; 2) If the upstream system returns a successful order payment during the query probe, it indicates that the current channel is normal and can be gradually opened. 4. If the query is successful, it indicates that the connection with the channel is open and the channel can provide basic services, allowing for a 25% gradual opening. Basic services include payment order requests, payment requests, and order inquiries. The 25% grayscale level is also a customizable setting that can be adjusted at any time based on production conditions. Since it's impossible to 100% determine if the channel is completely problem-free, setting a grayscale opening phase ensures the stability of the transaction system. If the channel is indeed problem-free, the grayscale switch ensures a smooth transition and maintains transaction system stability. 5. If the success rate is not met under the 25% grayscale level, the channel will remain closed. The success rate is defined as a 95% threshold for order success within 5 minutes. If it is not reached, the channel will continue to be closed. A completely closed channel will result in a failure to meet the success rate target. 6. If the success rate meets the target under the 25% grayscale level, the grayscale ratio will be increased further. Under the 25% grayscale level, it will check if the current order success rate reaches 95%. If it does, the grayscale will be opened by 50% (in increments of 25%) until it reaches 100%.

[0105] It should be noted that the above examples are only for understanding this application and do not constitute a limitation on the payment routing channel switching method of this application. Any simple modifications based on this technical concept are within the protection scope of this application.

[0106] This application also provides a payment routing channel switching device, please refer to... Figure 8 The payment routing channel switching device includes:

[0107] The acquisition module 10 is used to acquire the current grayscale ratio of the payment routing channel when the channel status of the existing payment routing channel is a preset state;

[0108] Processing module 20 is used to determine the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period;

[0109] The control module 30 is used to control the payment routing channel to be opened according to the grayscale opening ratio.

[0110] Optionally, the processing module 20 is further configured to:

[0111] When the current grayscale ratio of the payment routing channel is the first grayscale ratio, the target order is determined based on the order information of the payment routing channel in the target time period;

[0112] The query probe for the target order is initiated through the payment routing channel, and the query probe result corresponding to the target order is obtained;

[0113] When the query detection result is a preset result, the grayscale opening ratio of the payment routing channel is determined to be the second grayscale ratio.

[0114] Optionally, the processing module 20 is further configured to:

[0115] When the query detection result indicates that no query feedback information is received within a certain duration, the grayscale activation ratio of the payment routing channel is determined to be the first grayscale ratio; or,

[0116] When the query detection result is a received query failure message, the grayscale opening ratio of the payment routing channel is determined to be the first grayscale ratio.

[0117] Optionally, the processing module 20 is further configured to:

[0118] When the current grayscale ratio of the payment routing channel is not the first grayscale ratio, the order success rate is determined based on the order information of the payment routing channel in the target time period.

[0119] When the order success rate reaches a preset threshold, the current grayscale ratio is adjusted according to the ratio adjustment strategy to determine the grayscale opening ratio of the payment routing channel.

[0120] Optionally, the acquisition module 10 is further configured to:

[0121] Obtain full order information for each payment routing channel within a preset time period;

[0122] Order statistics are performed based on the full order information of each payment routing channel to determine the target success rate and the number of failed orders for each payment routing channel;

[0123] When the target success rate and / or the number of failed orders of the payment routing channel meet the channel closure conditions, the payment routing channel is controlled to open according to the first grayscale ratio, and the channel status of the payment routing channel is determined to be the preset state.

[0124] The payment routing channel switching device provided in this application, employing the payment routing channel switching method in the above embodiments, can solve the technical problem of how to quickly avoid significant impacts on the payment platform caused by external system failures or iterative updates. Compared with the prior art, the beneficial effects of the payment routing channel switching device provided in this application are the same as those of the payment routing channel switching method provided in the above embodiments, and other technical features in the payment routing channel switching device are the same as those disclosed in the methods of the above embodiments, and will not be repeated here.

[0125] This application provides a payment routing channel switching 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 payment routing channel switching method in the above embodiment 1.

[0126] The following is for reference. Figure 9 This document illustrates a structural diagram of a payment routing channel switching device suitable for implementing embodiments of this application. The payment routing channel switching device in 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 Description), PMPs (Portable Media Players), in-vehicle terminals (e.g., in-vehicle navigation terminals), and fixed terminals such as digital TVs and desktop computers. Figure 9 The payment routing channel switching 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.

[0127] like Figure 9As shown, the payment routing channel switching 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 payment routing channel switching 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. Communication device 1009 allows the payment routing channel switching device to communicate wirelessly or wiredly with other devices to exchange data. While the figures show payment routing channel switching 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.

[0128] 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.

[0129] The payment routing channel switching device provided in this application, employing the payment routing channel switching method described in the above embodiments, can solve the technical problem of how to quickly avoid significant impacts on the payment platform caused by external system failures or iterative updates. Compared with the prior art, the beneficial effects of the payment routing channel switching device provided in this application are the same as those of the payment routing channel switching method provided in the above embodiments, and other technical features of this payment routing channel switching device are the same as those disclosed in the previous embodiment method, and will not be repeated here.

[0130] 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.

[0131] 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.

[0132] 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 payment routing channel switching method in the above embodiments.

[0133] 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.

[0134] The aforementioned computer-readable storage medium may be included in the payment routing channel switching device; or it may exist independently and not be assembled into the payment routing channel switching device.

[0135] The aforementioned computer-readable storage medium carries one or more programs. When the one or more programs are executed by the payment routing channel switching device, the payment routing channel switching device: when the channel status of the existing payment routing channel is a preset state, obtains the current grayscale ratio of the payment routing channel; determines the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period; and controls the payment routing channel to be activated according to the grayscale activation ratio.

[0136] 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).

[0137] 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.

[0138] 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.

[0139] 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 payment routing channel switching method. This solves the technical problem of how to quickly avoid significant impacts on the payment platform caused by peripheral system failures or iterative updates. 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 payment routing channel switching method provided in the above embodiments, and will not be repeated here.

[0140] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the steps of the payment routing channel switching method described above.

[0141] The computer program product provided in this application can solve the technical problem of how to quickly avoid significant impacts on the payment platform caused by peripheral system failures or iterative updates. Compared with the prior art, the beneficial effects of the computer program product provided in this application are the same as those of the payment routing channel switching method provided in the above embodiments, and will not be repeated here.

[0142] 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 method for switching payment routing channels, characterized in that, The payment routing channel switching method includes: When the channel status of the payment routing channel is a preset state, obtain the current grayscale ratio of the payment routing channel; The grayscale activation ratio of the payment routing channel is determined based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period; Control the payment routing channel to be activated according to the grayscale activation ratio.

2. The method as described in claim 1, characterized in that, The step of determining the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period includes: When the current grayscale ratio of the payment routing channel is the first grayscale ratio, the target order is determined based on the order information of the payment routing channel in the target time period; The query probe for the target order is initiated through the payment routing channel, and the query probe result corresponding to the target order is obtained; When the query detection result is a preset result, the grayscale opening ratio of the payment routing channel is determined to be the second grayscale ratio.

3. The method as described in claim 2, characterized in that, After the step of initiating a query probe on the target order through the payment routing channel and obtaining the query probe result corresponding to the target order, the method further includes: When the query detection result indicates that no query feedback information is received within a certain duration, the grayscale activation ratio of the payment routing channel is determined to be the first grayscale ratio; or, When the query detection result is a received query failure message, the grayscale opening ratio of the payment routing channel is determined to be the first grayscale ratio.

4. The method as described in claim 1, characterized in that, The step of determining the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period includes: When the current grayscale ratio of the payment routing channel is not the first grayscale ratio, the order success rate is determined based on the order information of the payment routing channel in the target time period. When the order success rate reaches a preset threshold, the current grayscale ratio is adjusted according to the ratio adjustment strategy to determine the grayscale opening ratio of the payment routing channel.

5. The method as described in claims 1 to 4, characterized in that, Before the step of obtaining the current grayscale ratio of the payment routing channel when the channel status of the existing payment routing channel is a preset state, the method further includes: Obtain full order information for each payment routing channel within a preset time period; Order statistics are performed based on the full order information of each payment routing channel to determine the target success rate and the number of failed orders for each payment routing channel; When the target success rate and / or the number of failed orders of the payment routing channel meet the channel closure conditions, the payment routing channel is controlled to open according to the first grayscale ratio, and the channel status of the payment routing channel is determined to be the preset state.

6. The method as described in claim 5, characterized in that, The channel closing condition includes at least one of the following: The target success rate of the payment routing channel is lower than a preset threshold within a preset time period; The number of failed orders in the payment routing channel within a preset time period exceeds the preset number.

7. A payment routing channel switching device, characterized in that, The payment routing channel switching device includes: The acquisition module is used to acquire the current grayscale ratio of the payment routing channel when the channel status of the existing payment routing channel is a preset state; The processing module is used to determine the grayscale activation ratio of the payment routing channel based on the current grayscale ratio of the payment routing channel and the order information of the payment routing channel in the target time period; The control module is used to control the payment routing channel to be activated according to the grayscale activation ratio.

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

9. A storage medium, characterized in that, The storage medium stores a payment routing channel switching program, which, when executed by a processor, implements the steps of the payment routing channel switching 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 payment routing channel switching program, which, when executed by a processor, implements the steps of the payment routing channel switching method as described in any one of claims 1 to 6.

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