Transaction request processing method and apparatus, and payment system, device, and storage medium

Abstract

The embodiments of the present application belong to the technical field of payment. Disclosed are a transaction request processing method and apparatus, and a payment system, a device, and a storage medium. The method comprises: when a transaction request sent by a transaction system is received, determining a target service provider from a list of available service providers, wherein the list of available service providers comprises at least one candidate service provider, and the target service provider is used for security authentication (201); determining a target acquiring bank from among candidate acquiring banks corresponding to the target service provider, wherein the target service provider has acquiring bank qualifications of the candidate acquiring banks (202); determining a target payment channel from a payment channel set, wherein the payment channel set comprises at least one candidate payment channel, and each candidate payment channel has the acquiring bank qualification of the target acquiring bank (203); and on the basis of the target service provider, the target acquiring bank and the target payment channel, returning a channel routing result to the transaction system (204). The solution provided by the embodiments of the present application can improve the availability of channel routing.

Description

Transaction request processing methods, apparatus, payment systems, devices and storage media

[0001] This application claims priority to Chinese Patent Application No. 202510066916.5, filed on January 15, 2025, entitled “Transaction Request Processing Method, Apparatus, Payment System, Device and Storage Medium”, the entire contents of which are incorporated herein by reference. Technical Field

[0002] This application relates to the field of payment technology, and in particular to a transaction request processing method, apparatus, payment system, device, and storage medium. Background Technology

[0003] Online payment refers to a service provided by banks for online fund settlement when sellers and buyers conduct transactions through e-commerce websites on the Internet. It offers businesses and individuals a secure, fast, and convenient e-commerce environment and online fund settlement tool.

[0004] In related technologies, for overseas card payments, to ensure the effectiveness of security authentication, channel routing systems typically bind security authentication service providers and payment channels into a one-to-one channel routing combination. That is, during the channel routing request process, the security authentication service provider is determined simultaneously with the payment channel.

[0005] If either the security authentication service provider or the payment channel in the channel splitting combination is faulty, the channel splitting combination cannot be used. Summary of the Invention

[0006] This application provides a transaction request processing method, apparatus, payment system, device, and storage medium, the technical solution of which is as follows:

[0007] On one hand, embodiments of this application provide a transaction request processing method, which is executed by a computer device, and the method includes:

[0008] Upon receiving a transaction request from the transaction system, a target service provider is determined from the list of available service providers, which includes at least one candidate service provider. The target service provider is used for security authentication.

[0009] The target acquiring bank is determined from the candidate acquiring banks corresponding to the target service provider, and the target service provider has the acquiring bank qualifications of the candidate acquiring bank;

[0010] A target payment channel is determined from a set of payment channels, the set of payment channels including at least one candidate payment channel, each of the candidate payment channels having the acquiring bank qualification of the target acquiring bank;

[0011] Based on the target service provider, the target acquiring bank, and the target payment channel, the channel routing result is returned to the transaction system so that the transaction system can obtain the security authentication result from the target service provider and complete the payment processing with the target acquiring bank through the target payment channel.

[0012] On the other hand, embodiments of this application provide a payment system, which includes a transaction system and a channel distribution system;

[0013] The channel distribution system is used to receive transaction requests sent by the transaction system;

[0014] The channel routing system is used to generate channel routing results based on the transaction request. The channel routing results include a target service provider, a target acquiring bank, and a target payment channel. The target service provider is determined from an available service provider list, which is used for security authentication. The available service provider list includes at least one candidate service provider. The target acquiring bank is determined from the candidate acquiring banks corresponding to the target service provider, and the target service provider possesses the acquiring bank qualifications of the candidate acquiring bank. The target payment channel is determined from a payment channel set, which includes at least one candidate payment channel, and each candidate payment channel possesses the acquiring bank qualifications of the target acquiring bank.

[0015] The channel distribution system is used to return the channel distribution results to the transaction system;

[0016] The transaction system is used to obtain security authentication results from the target service provider based on the channel diversion results, and complete the payment processing with the target acquiring bank through the target payment channel.

[0017] On the other hand, embodiments of this application provide a transaction request processing apparatus, the apparatus comprising:

[0018] The service provider determination module is used to determine a target service provider from a list of available service providers when a transaction request is received from the transaction system. The list of available service providers includes at least one candidate service provider, and the target service provider is used for security authentication.

[0019] The acquiring bank determination module is used to determine the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, wherein the target service provider has the acquiring bank qualifications of the candidate acquiring banks;

[0020] The channel determination module is used to determine a target payment channel from a set of payment channels, the set of payment channels including at least one candidate payment channel, and each candidate payment channel having the acquiring bank qualification of the target acquiring bank;

[0021] The result return module is used to return a channel routing result to the transaction system based on the target service provider, the target acquiring bank, and the target payment channel, so that the transaction system can obtain the security authentication result from the target service provider and complete the payment processing with the target acquiring bank through the target payment channel.

[0022] On the other hand, embodiments of this application provide a computer device including a processor and a memory, wherein the memory stores at least one computer instruction, which is loaded and executed by the processor to implement the transaction request processing method as described above.

[0023] On the other hand, embodiments of this application provide a computer-readable storage medium storing at least one computer instruction, which is loaded and executed by a processor to implement the transaction request processing method as described above.

[0024] On the other hand, embodiments of this application provide a computer program product comprising at least one computer instruction stored in a computer-readable storage medium. A processor of a computer device reads the at least one computer instruction from the computer-readable storage medium and executes the at least one computer instruction, causing the computer device to perform the transaction request processing method described above.

[0025] In this embodiment, the security authentication and payment clearing processes are decoupled and linked by acquiring bank qualifications shared by the same acquiring bank. Upon receiving a transaction request from the transaction system, the target service provider is first determined from the list of available service providers. Based on the acquiring bank qualifications of the target service provider, the target acquiring bank is then determined from the candidate acquiring banks corresponding to the target service provider. Subsequently, the target payment channel is determined from the candidate payment channels that share the acquiring bank qualifications of the target acquiring bank. This ensures that the target service provider and the target payment channel share the same acquiring bank qualifications, guaranteeing the effectiveness of security authentication.

[0026] Furthermore, during the selection process of service providers and payment channels, since the acquiring banks corresponding to the acquiring bank qualifications of service providers and payment channels are not exactly the same, a variety of possible combinations of service providers and payment channels can be generated. This expands the range of channel diversion options, avoids the impact of a single channel failure on the transaction process, and improves the availability of channel diversion.

[0027] Furthermore, although the security authentication process and the payment clearing process are decoupled in this embodiment, and the target service provider and the target payment channel are determined separately, the acquiring bank is used as the smallest unit of diversion. The two are associated by acquiring bank qualifications with the same acquiring bank. The target service provider, the target acquiring bank, and the target payment channel are returned to the transaction system as channel diversion results at the same time. This can achieve the effect of diverting the entire link at once, reduce the time consumption of channel diversion, and optimize the online payment experience. Attached Figure Description

[0028] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0029] Figure 1 shows a structural block diagram of a computer system provided in an exemplary embodiment of this application;

[0030] Figure 2 shows a flowchart of a transaction request processing method provided in an exemplary embodiment of this application;

[0031] Figure 3 shows a flowchart of a transaction request processing method provided in another exemplary embodiment of this application;

[0032] Figure 4 shows a flowchart of a transaction request processing method provided in another exemplary embodiment of this application;

[0033] Figure 5 shows a schematic diagram of the generation channel splitting result provided by an exemplary embodiment of this application;

[0034] Figure 6 shows a structural block diagram of a payment system provided in an exemplary embodiment of this application;

[0035] Figure 7 illustrates a schematic diagram of system collaboration between a transaction system and a channel distribution system provided in an exemplary embodiment of this application;

[0036] Figure 8 shows a flowchart of a transaction processing procedure provided in an exemplary embodiment of this application;

[0037] Figure 9 shows a structural block diagram of a transaction request processing apparatus provided in an exemplary embodiment of this application;

[0038] Figure 10 shows a schematic diagram of the structure of a computer device provided in an exemplary embodiment of this application. Detailed Implementation

[0039] To make the objectives, technical solutions, and advantages of this application clearer, the embodiments of this application will be described in further detail below with reference to the accompanying drawings.

[0040] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numerals in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0041] The terminology used in this application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. The singular forms “a,” “the,” and “the” used in this application and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” as used herein refers to and includes any and all possible combinations of one or more of the associated listed items.

[0042] It should be understood that although the terms first, second, etc., may be used in this application to describe various information, this information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, without departing from the scope of this application, a first parameter may also be referred to as a second parameter, and similarly, a second parameter may also be referred to as a first parameter. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to determination."

[0043] First, a brief introduction to the terms used in the embodiments of this application:

[0044] Acquiring bank: The full name is Merchant Acquiring Bank, which is a financial institution or bank responsible for receiving credit card and debit card payment transactions from merchants and converting these transactions into funds for settlement in the merchant's account.

[0045] Service Provider: Refers to an assessment agency that provides security authentication. In this embodiment, the service provider is used to securely authenticate transaction requests, where the security authentication is 3DS (3-Domain Secure) security authentication. Optionally, 3DS security authentication is an online payment security authentication technology. 3DS technology aims to protect online transactions by adding a layer of verification to reduce fraud and unauthorized transactions. When consumers use 3DS-enabled credit or debit cards to shop online, they are required to provide additional authentication information, such as a password or one-time verification code, to confirm their identity.

[0046] Payment channels refer to the payment pathways within a transaction system that support user payments. These pathways enable users to complete transaction payments and facilitate fund transfers and settlements between financial institutions and banks. Optionally, payment channels may include bank channels, UnionPay channels, NetsUnion channels, or third-party channels.

[0047] Please refer to Figure 1, which shows a structural block diagram of a computer system provided in an exemplary embodiment of this application. The computer system may include a terminal 110, a first server 120, and a second server 140. The terminal 110 and the first server 120 communicate via a communication network, and the first server 120 and the second server 140 communicate via a communication network. Optionally, the communication network may be a wired network or a wireless network, and may be at least one of a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN).

[0048] Terminal 110 is an electronic device with an application that has online payment functionality installed. The image recognition function can be a native application of terminal 110 or a third-party application; terminal 110 can be a smartphone, tablet, laptop, desktop computer, smart TV, wearable device, or in-vehicle terminal, etc. Figure 1 is only used as an example of terminal 110 being a desktop computer, but it is not a limitation.

[0049] The first server 120 includes at least one of a single server, multiple servers, a cloud computing platform, and a virtualization center. In this embodiment, the first server 120 can be a backend server for an application with online payment functionality, and a transaction system is deployed on the first server 120.

[0050] The second server 140 includes at least one of a single server, multiple servers, a cloud computing platform, and a virtualization center. In this embodiment, a channel distribution system is deployed in the second server 140.

[0051] In some embodiments, data interaction exists between the first server and the terminal, and between the second server and the first server. Illustratively, as shown in Figure 1, upon receiving a user payment operation, the terminal 110 initiates a payment to the first server 120. To obtain security authentication and determine the payment channel, the first server 120 sends a transaction request to the second server 140. Based on this transaction request, the second server 140 determines the target service provider applicable to the current transaction request from the list of available service providers, determines the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, and then determines the target payment channel from the payment channel set, obtaining a channel routing result containing the target service provider, target acquiring bank, and target payment channel. This channel routing result is returned to the first server 120. The first server 120 then completes the payment processing within the transaction system based on the security authentication result, through the target payment channel and the target acquiring bank, and returns the payment result to the terminal 110.

[0052] Based on the above introduction, the transaction request processing method provided in this application will be described. This method can be executed by a server or a terminal, or by both a server and a terminal.

[0053] Please refer to Figure 2, which shows a flowchart of a transaction request processing method provided in an exemplary embodiment of this application. This embodiment uses the method applied to a computer device (including a terminal and / or a server) as an example for illustration. The method includes the following steps:

[0054] Step 201: Upon receiving a transaction request from the transaction system, determine the target service provider from the list of available service providers. The list of available service providers includes at least one candidate service provider. The target service provider is used for security authentication.

[0055] Optionally, the transaction system can be a payment service system provided by a financial institution. Users can initiate payments to the transaction system through a client, and the payment is completed after the transaction system performs security authentication and payment settlement. Optionally, in order to achieve secure authentication of user identities, the transaction system needs to cooperate with at least one service provider that provides security authentication. Furthermore, in order to complete payment settlement, the transaction system also needs to connect to at least one payment channel that provides payment settlement.

[0056] In some embodiments, to ensure the security and reliability of transactions, the transaction system needs to perform security authentication on each transaction through a service provider and provide payment settlement services for the transaction using a payment channel. Optionally, the process of determining the service provider and payment channel can be implemented through a channel distribution system, which interacts with the transaction system through system collaboration. Optionally, the transaction system and the channel distribution system can be deployed on the same server or on different servers; this application embodiment does not limit this, and this application embodiment describes the channel distribution system deployed on a computer device.

[0057] In one possible implementation, upon receiving a user's payment initiation, the transaction system can generate a transaction request based on the user information and payment information, and send the transaction request to the channel distribution system to request the channel distribution system to determine the service provider and payment channel for the current transaction.

[0058] Optionally, the transaction request may include user identity information, such as user age, user payment credit score, and user bank account information, as well as transaction order information, such as transaction amount and transaction product information, and may also include other transaction-related information, which are not limited in this embodiment.

[0059] Unlike related technologies where, upon receiving a transaction request from the transaction system, the computer device equipped with a channel distribution system directly determines the target channel distribution combination from a set of preset combinations, resulting in a unique binding between the service provider and the payment channel in this target combination and leading to poor system availability, this embodiment decouples the security authentication and payment clearing processes. Upon receiving a transaction request from the transaction system, the computer device first determines the target service provider from a list of available service providers.

[0060] Optionally, considering that different service providers may support different versions of the 3DS protocol, use different authentication methods (password verification, one-time verification code verification, fingerprint verification, etc.), support different payment terminals, and support different payment ranges, in order to ensure the effectiveness of security authentication, the computer device needs to first determine the list of available service providers corresponding to the current transaction request. This list of available service providers may include at least one candidate service provider, which is the service provider that can provide security authentication for the current transaction request.

[0061] In other words, the candidate service providers in the list of available service providers are those that can provide security authentication for the current transaction request. Optionally, the list of available service providers may include the service provider name of at least one candidate service provider, or the service provider identifier of at least one candidate service provider, which is used to uniquely identify the candidate service provider.

[0062] In some embodiments, in order to further determine the service provider corresponding to the current transaction request from the list of available service providers, upon receiving a transaction request from the transaction system, the computer device also needs to determine a unique target service provider from the list of available service providers, thereby providing security authentication services for the current transaction request through the target service provider to ensure transaction security. That is, the target service provider is the service provider selected from the candidate service providers to provide security authentication services for the current transaction request.

[0063] Step 202: Determine the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, provided that the target service provider has the acquiring bank qualifications of the candidate acquiring bank.

[0064] To ensure the effectiveness of security authentication, the service provider offering the security authentication service and the payment channels used for subsequent payment processing need to have acquiring bank qualifications from the same acquiring bank. Optionally, having acquiring bank qualifications means obtaining permission and authorization from that acquiring bank to process authentication and settlement services related to bank cards on behalf of that acquiring bank.

[0065] In some embodiments, to ensure that the selected target payment channel and the identified target service provider share the same acquiring bank qualifications during subsequent channel diversion, after determining the target service provider, the computer equipment can first determine which acquiring banks the target service provider possesses, thereby obtaining the candidate acquiring banks corresponding to the target service provider. That is, the target service provider possesses the acquiring bank qualifications of each candidate acquiring bank.

[0066] Optionally, if the target service provider corresponds to a single candidate acquiring bank, the computer device directly determines that candidate acquiring bank as the target acquiring bank. If the target service provider corresponds to at least two candidate acquiring banks, the computer device needs to determine a unique target acquiring bank from the at least two candidate acquiring banks. In one possible implementation, the computer device can randomly determine the target acquiring bank from the candidate acquiring banks; in another possible implementation, the computer device can also determine the target acquiring bank from the candidate acquiring banks based on the acquiring bank's priority.

[0067] Step 203: Determine the target payment channel from the payment channel set, which includes at least one candidate payment channel, each of which has the acquiring bank qualification of the target acquiring bank.

[0068] In some embodiments, after determining the target service provider and the target acquiring bank, the computer device can identify the payment channel with the acquiring bank qualification of the target acquiring bank as the target payment channel, thereby enabling the target payment channel and the target service provider to have the acquiring bank qualification of the same target acquiring bank.

[0069] In one possible implementation, after determining the target service provider and the target acquiring bank, the computer device can filter and obtain a set of payment channels by judging which payment channels possess the acquiring bank's qualifications. This set of payment channels includes at least one candidate payment channel, and each candidate payment channel possesses the acquiring bank's qualifications. Furthermore, the computer device can randomly select a candidate payment channel from the set of payment channels as the target payment channel, or it can determine the target payment channel from the set based on relevant channel data such as the payment success rate of each candidate payment channel. That is, the target payment channel is the payment channel selected from the candidate payment channels to process the current transaction request.

[0070] Step 204: Based on the target service provider, target acquiring bank, and target payment channel, return the channel routing result to the transaction system so that the transaction system can obtain the security authentication result from the target service provider and complete the payment processing with the target acquiring bank through the target payment channel.

[0071] In some embodiments, after determining the target service provider, target acquiring bank, and target payment channel, the computer device can generate a channel allocation result and return the channel allocation result to the transaction system, so that the transaction system can complete the payment processing based on the channel allocation result.

[0072] Optionally, the channel routing result is used to indicate the service provider that provides security authentication for the transaction request, the payment channel that processes the transaction request, and the acquiring bank. Optionally, the channel routing result includes the service provider identifier of the target service provider, the acquiring bank identifier of the target acquiring bank, and the channel identifier of the target payment channel.

[0073] Optionally, to ensure payment security, the transaction system needs to first verify the identity of the user in the current transaction through the target service provider. Only after passing the security verification can the payment be processed through the target payment channel and the target acquiring bank.

[0074] In one possible implementation, after obtaining the channel allocation result, the transaction system can first request the target service provider to perform security authentication on the user of the current transaction, in order to obtain the security authentication result corresponding to the current transaction request. The security authentication result indicates whether the user's identity for the current transaction has passed security authentication.

[0075] Subsequently, upon receiving the security authentication result from the target service provider, and confirming that the security authentication has passed, the transaction system completes the payment processing with the target acquiring bank through the target payment channel. Optionally, the transaction system can transfer the transaction amount from the issuing bank of the user initiating the transaction to the target acquiring bank through the target payment channel, whereby the target acquiring bank receives and processes the merchant's transaction amount.

[0076] In summary, this embodiment decouples the security authentication and payment clearing processes and associates them through acquiring bank qualifications with the same acquiring bank. Upon receiving a transaction request from the transaction system, the target service provider is first determined from the list of available service providers. Then, based on the acquiring bank qualifications of the target service provider, the target acquiring bank is selected from the candidate acquiring banks corresponding to the target service provider. Finally, the target payment channel is selected from the candidate payment channels with the acquiring bank qualifications of the target acquiring bank. This ensures that the target service provider and the target payment channel share the same acquiring bank qualification, guaranteeing the effectiveness of security authentication. Furthermore, during the selection process for service providers and payment channels, since the acquiring banks corresponding to the acquiring bank qualifications of the service provider and the payment channel are not entirely the same, multiple possible combinations of service providers and payment channels can be generated. This expands the range of channel diversion options, avoids the impact of a single channel failure on the transaction process, and improves the availability of channel diversion.

[0077] Furthermore, although the security authentication process and the payment clearing process are decoupled in this embodiment, and the target service provider and the target payment channel are determined separately, the acquiring bank is used as the smallest unit of diversion. The two are associated by acquiring bank qualifications with the same acquiring bank. The target service provider, the target acquiring bank, and the target payment channel are returned to the transaction system as channel diversion results at the same time. This can achieve the effect of diverting the entire link at once, reduce the time consumption of channel diversion, and optimize the online payment experience.

[0078] In some embodiments, considering that different service providers may support different ranges of merchants for security authentication, different types of payment terminal devices, and different verification methods, and that different payment channels may support different ranges of merchants for payment settlement processing and different ranges of transaction amounts, meaning that not every service provider can provide security authentication services for the current transaction request, nor can every payment channel provide payment settlement services for the current transaction request, in order to improve the efficiency of channel diversion, it is also necessary to dynamically determine the list of available service providers and the list of available payment channels for each transaction request.

[0079] Please refer to Figure 3, which shows a flowchart of a transaction request processing method provided in another exemplary embodiment of this application. This embodiment uses the method applied to a computer device (including a terminal and / or a server) as an example for illustration. The method includes the following steps:

[0080] Step 301: Upon receiving a transaction request from the transaction system, filter the service providers in the service provider list based on the transaction request to obtain the available service provider list corresponding to the transaction request.

[0081] Optionally, the service provider list may contain multiple pre-defined service providers. Alternatively, if the trading system belongs to a specific financial institution, the service providers in the list will be those that have established partnerships with that financial institution. In other words, the service provider list includes service providers that have partnered with the financial institution to which the trading system belongs.

[0082] Optionally, transaction requests within the transaction system can be secured by service providers from the service provider list. However, not all service providers can provide security authentication for every transaction request. Therefore, in some embodiments, upon receiving a transaction request from the transaction system, the computer device needs to first filter the service providers in the service provider list according to the transaction request to obtain a list of available service providers corresponding to the current transaction request.

[0083] The process of determining the list of available service providers can include two sub-processes: filtering the blacklist of service providers and revising the list of service providers based on the true value of service provider availability.

[0084] In one possible implementation, upon receiving a transaction request from the transaction system, the computer device determines a service provider blacklist based on the first transaction data contained in the transaction request and the second transaction data on the security authentication supported by each service provider. Service providers on the blacklist do not support the security authentication of the current transaction request.

[0085] The transaction request may include first transaction data such as transaction amount, user information, merchant information, and payment page address to ensure the legality and security of the transaction. Second transaction data supported by the service provider for security authentication may include the transaction amount range (e.g., some service providers only support security authentication for small transactions, while others only support it for large transactions); it may also include the transaction type (e.g., some service providers only support security authentication for general goods (e.g., physical goods), while others support it for special goods (e.g., virtual goods); and may include other data used to determine the scope of security authentication. This embodiment of the application does not limit this.

[0086] For example, if the transaction request is a large transaction request, service provider 1 supports security authentication for large transaction requests, while service provider 2 only supports security authentication for small transaction requests. Therefore, service provider 2 is on the service provider blacklist.

[0087] Furthermore, after determining the service provider blacklist corresponding to the current transaction request, the computer device can filter the service provider list based on the blacklist to obtain a filtered service provider list. For example, if the service provider list includes service provider 1, service provider 2, service provider 3, and service provider 4, and the current transaction request is a large transaction request, where service providers 2 and 3 only support security authentication for small transactions, then the service provider list filtered by the blacklist will only include service provider 1 and service provider 4.

[0088] Optionally, considering that after service provider security authentication and payment channel processing, the transaction results (transaction success or failure) for different transaction requests may be different, that is, the transaction success rate for different service providers is different, in order to improve transaction efficiency, the filtered service provider list can be modified according to the transaction success rate of each service provider, so as to obtain a list of available service providers suitable for the current transaction request.

[0089] In one possible implementation, the computer device can modify the filtered list of service providers based on the service provider availability truth values ​​corresponding to each service provider, thereby obtaining a list of available service providers for the transaction request. The service provider availability truth value indicates whether a service provider is available. Optionally, service provider availability means that the service provider can provide effective security authentication services for the current transaction request, while service provider unavailability means that the service provider cannot provide effective security authentication services for the current transaction request.

[0090] In the process of building the list of available service providers, by first filtering out service providers that do not support security authentication for the current transaction request, and then excluding service providers that cannot provide effective security authentication for the current transaction request, it can be ensured that each candidate service provider in the list of available service providers can provide effective security authentication services for the current transaction request, thereby improving transaction efficiency.

[0091] Regarding the process of determining the truth value of service provider availability, for each service provider, in one possible implementation, the computer device can obtain the historical transaction requests corresponding to the service provider within a historical time period, and determine the first historical transaction success rate for the service provider based on the transaction results corresponding to the historical transaction requests. Then, by comparing the first historical transaction success rate with a first success rate threshold, if the first historical transaction success rate is not less than the first success rate threshold, the service provider is determined to be an available service provider; if the first historical transaction success rate is less than the first success rate threshold, the service provider is determined to be an unavailable service provider.

[0092] Specifically, if the service provider is an available service provider, the truth value of its availability is 1; if the service provider is an unavailable service provider, the truth value of its availability is 0.

[0093] Optionally, different service providers can each have their own historical time periods. This allows you to obtain historical transaction requests from different service providers within the same historical time period, or from different service providers within different historical time periods. Optionally, the historical time period corresponding to a service provider can be optimized based on the number of historical transaction requests associated with that service provider to ensure a sufficient number of historical transaction requests are obtained. For example, if the number of historical transaction requests associated with a service provider is large, the historical time period can be shorter; if the number of historical transaction requests associated with a service provider is small, the historical time period can be longer.

[0094] Optionally, the transaction result of a historical transaction request can be represented by a unit step function I1(i). When the i-th historical transaction request is successful, the unit step function I1(i) can be set to 1; when the i-th historical transaction request fails, the unit step function I1(i) can be set to 0.

[0095] Optionally, the service provider's first historical transaction success rate can be represented as A. 1k , Where n is the number of historical transaction requests.

[0096] Optionally, the first success rate threshold can be a pre-set fixed value or a dynamic value adjusted based on parameters such as historical transaction stability; this embodiment does not limit this. Optionally, the first success rate threshold can be expressed as θ. 1k The truth value of service provider availability can be represented as u1(k), thus the success rate A of the first historical transaction corresponding to the service provider. 1k ≥θ 1k In the case of service provider availability, the truth value u1(k) = 1; and the success rate A of the first historical transaction corresponding to the service provider. 1k <θ 1k In this case, the service provider availability truth value u1(k) = 0.

[0097] In one possible representation, the list of service providers can be represented as L1 = {l 11 ,l 12 ,l 13 …l 1k The service provider blacklist can be represented as B1. By filtering the service provider list based on the service provider blacklist, you can obtain the filtered service provider list L′1. Then, by correcting the filtered list of service providers L′1 using the service provider availability truth value u1(k), the list of available service providers can be obtained.

[0098] By calculating the first historical transaction success rate of each service provider based on historical transaction requests within a historical time period, and using the first success rate threshold to determine the availability of the service provider, the accuracy of the service provider availability list can be further guaranteed, thereby improving transaction efficiency.

[0099] Step 302: Based on the service provider weights of each candidate service provider in the service provider availability list, determine the target service provider from the service provider availability list. The service provider weight of the target service provider is higher than the service provider weights of other candidate service providers in the service provider availability list. The service provider weight is related to at least one of the service provider's transaction processing volume and transaction processing time.

[0100] Given that the list of available service providers may include multiple candidate service providers, in order to select one to provide security authentication services for the current transaction request, in some embodiments, the computer device can determine the target service provider from the list of available service providers based on the service provider weights of each candidate service provider in the list. The service provider weight of the target service provider is higher than the service provider weights of other candidate service providers in the list of available service providers.

[0101] Optionally, the service provider's weight can be related to at least one of the following: transaction processing volume and transaction processing time. Transaction processing volume refers to the number of historical transaction requests for the service provider, and transaction processing time refers to the duration from the initiation of a historical transaction request to the completion of the transaction. Optionally, the service provider's weight can be positively correlated with its transaction processing volume; the higher the transaction processing volume, the higher the service provider's weight, and vice versa. Optionally, the service provider's weight can be negatively correlated with its transaction processing time; the longer the transaction processing time, the lower the service provider's weight, and vice versa.

[0102] In one possible implementation, the computer device can determine the service provider weight based on the transaction volume of each candidate service provider within a historical time period and the average transaction processing time between historical transaction requests. Optionally, the service provider weight can be equal to a first proportional coefficient × transaction volume + a second proportional coefficient × average transaction processing time. Further, the computer device determines the candidate service provider with the highest service provider weight from the list of available service providers as the target service provider for the current transaction request.

[0103] Step 303: Upon receiving a transaction request from the transaction system, filter the payment channels in the payment channel list based on the transaction request to obtain a list of available payment channels corresponding to the transaction request.

[0104] In some embodiments, considering that the target service provider and the target payment channel need to have the acquiring bank qualifications of the same acquiring bank, there may be a certain acquiring bank where a usable service provider has the acquiring bank qualifications, but no usable payment channel has the acquiring bank qualifications of that acquiring bank. That is, after determining the target service provider and the target acquiring bank, there may be no usable payment channel. Therefore, to avoid the above situation, before determining the target acquiring bank, the computer equipment can also determine the available acquiring banks. That is, for the available acquiring bank, there may be both a usable service provider and a usable payment channel that have the acquiring bank qualifications of that available acquiring bank.

[0105] Optionally, to ensure that there are available payment channels with acquiring bank qualifications, upon receiving a transaction request from the transaction system, the list of available payment channels corresponding to the current transaction request can be determined first.

[0106] Optionally, the payment channel list includes multiple pre-defined payment channels. Alternatively, if the transaction system belongs to a specific financial institution, the payment channels in the list will be service providers that have established partnerships with that financial institution. In other words, the payment channel list includes payment channels that have partnered with the financial institution to which the transaction system belongs.

[0107] Optionally, transaction requests within the transaction system can be settled by payment channels in the payment channel list. However, not all payment channels can provide payment settlement services for every transaction request. Therefore, in some embodiments, upon receiving a transaction request from the transaction system, the computer device needs to first filter each payment channel in the payment channel list according to the transaction request to obtain a list of available payment channels corresponding to the current transaction request.

[0108] The process of determining the list of available payment channels can include two sub-processes: filtering the blacklist of payment channels and revising the list of payment channels based on the truth value of channel availability.

[0109] In one possible implementation, upon receiving a transaction request from the transaction system, the computer device determines a payment channel blacklist based on the first transaction data contained in the transaction request and the third transaction data that each payment channel supports processing. The payment channels in the payment channel blacklist do not support processing the current transaction request.

[0110] The transaction request may include first transaction data such as transaction amount, user information, merchant information, and payment page address to ensure the legality and security of the transaction. Third transaction data supported by the payment channel may include the transaction amount range (e.g., some payment channels only support small transactions, while others only support large transactions); it may also include the transaction type (e.g., some payment channels only support transactions for general goods (e.g., physical goods), while others support transactions for special goods (e.g., virtual goods); and may include other data used to determine the processing scope of the payment channel. This embodiment of the application does not limit this.

[0111] For example, if the transaction request is a large transaction request, payment channel 1 can handle large transaction requests, while payment channel 2 can only handle small transaction requests. Therefore, payment channel 2 is on the payment channel blacklist.

[0112] Furthermore, after determining the payment channel blacklist corresponding to the current transaction request, the computer device can filter the payment channel list based on the payment channel blacklist to obtain a filtered payment channel list. For example, if the payment channel list includes payment channel 1, payment channel 2, payment channel 3, and payment channel 4, and the current transaction request is a large transaction request, where payment channels 2 and 3 only support processing small transactions, then the payment channel list filtered by the blacklist will only include payment channel 1 and payment channel 4.

[0113] Optionally, considering that after service provider security authentication and payment channel processing, the transaction results (transaction success or failure) for different transaction requests may be different, that is, the transaction success rate for different payment channels is different, in order to improve transaction efficiency, the filtered payment channel list can be modified according to the transaction success rate of each payment channel, so as to obtain a list of available payment channels suitable for the current transaction request.

[0114] In one possible implementation, the computer device can modify the filtered list of payment channels based on the channel availability truth values ​​corresponding to each payment channel, thereby obtaining a list of available payment channels for the transaction request. The channel availability truth value indicates whether a payment channel is available. Optionally, a payment channel being available means that the payment channel can successfully process the current transaction request, while a payment channel being unavailable means that the payment channel cannot successfully process the current transaction request.

[0115] In the process of constructing the list of available payment channels, by first filtering out payment channels that do not support processing the current transaction request, and then excluding payment channels that cannot successfully process the current transaction request, it can be ensured that each candidate payment channel in the list of available payment channels supports and can successfully process the current transaction request, thereby improving transaction efficiency.

[0116] Regarding the process of determining the truth value of channel availability, for each payment channel, in one possible implementation, the computer device can obtain historical transaction requests corresponding to the payment channel within a historical time period, and determine the second historical transaction success rate corresponding to the payment channel based on the transaction results corresponding to the historical transaction requests. Then, by comparing the second historical transaction success rate with a second success rate threshold, if the second historical transaction success rate is not less than the second success rate threshold, the payment channel is determined to be an available payment channel; if the second historical transaction success rate is less than the second success rate threshold, the payment channel is determined to be an unavailable payment channel.

[0117] Specifically, if the payment channel is an available payment channel, the truth value of the channel availability is 1; if the payment channel is an unavailable payment channel, the truth value of the channel availability is 0.

[0118] Optionally, different payment channels can each have their own corresponding historical time periods. This means obtaining historical transaction requests from different payment channels within the same historical time period, or from different historical time periods. Optionally, the historical time period corresponding to a payment channel can be optimized based on the number of historical transaction requests associated with that channel to ensure a sufficient number of historical transaction requests are obtained. For example, if the number of historical transaction requests associated with a payment channel is large, the historical time period can be shorter; if the number of historical transaction requests associated with a payment channel is small, the historical time period can be longer.

[0119] Optionally, the transaction result of a historical transaction request can be represented by a unit step function I2(i). When the i-th historical transaction request is successful, the unit step function I2(i) can be set to 1; when the i-th historical transaction request fails, the unit step function I2(i) can be set to 0.

[0120] Optionally, the success rate of the second historical transaction corresponding to the payment channel can be expressed as A. 2k , Where n is the number of historical transaction requests.

[0121] Optionally, the second success rate threshold can be a pre-set fixed value or a dynamic value adjusted based on parameters such as historical transaction stability; this embodiment does not limit this. Optionally, the second success rate threshold can be expressed as θ. 2k The truth value of channel availability can be represented as u2(k), thus the success rate A of the second historical transaction corresponding to the payment channel. 2k ≥θ 2kIn this case, the truth value of channel availability can be expressed as u2(k) = 1; the second historical transaction success rate A corresponding to the payment channel... 2k <θ 2k In this case, the truth value of channel availability can be expressed as u2(k) = 0.

[0122] In one possible representation, the list of payment channels can be represented as L2 = {l 21 ,l 22 ,l 23 …l 2k The payment channel blacklist can be represented as B2. By filtering the payment channel list according to the payment channel blacklist, the filtered payment channel list L′2 can be obtained. Then, by correcting the filtered payment channel list L′2 using the channel availability truth value u2(k), the available payment channel list can be obtained.

[0123] By calculating the second historical transaction success rate of each payment channel based on historical transaction requests within a historical time period, and using the second success rate threshold to determine the availability of the payment channel, the accuracy of the construction of the payment channel availability list can be further guaranteed, thereby improving transaction efficiency.

[0124] Step 304: Based on the first acquiring bank qualification of each candidate service provider in the service provider availability list and the second acquiring bank qualification of each payment channel in the payment channel availability list, determine the acquiring bank availability list.

[0125] Furthermore, after determining the service provider availability list and payment channel availability list corresponding to the current transaction request, the computer device can determine the acquiring bank availability list by taking the intersection of the first acquiring bank qualification of each candidate service provider in the service provider availability list and the second acquiring bank qualification of each payment channel in the payment channel availability list. This ensures that for available acquiring banks in the acquiring bank availability list, there are candidate service providers in the service provider availability list with the acquiring bank qualification of available acquiring banks, and there are payment channels in the payment channel availability list with the acquiring bank qualification of available acquiring banks.

[0126] In an illustrative example, the list of available service providers includes Service Provider 1, Service Provider 2, and Service Provider 3. Service Provider 1 has acquiring bank qualifications for both Bank A and Bank B; Service Provider 2 has acquiring bank qualifications for both Bank A and Bank C; and Service Provider 3 has acquiring bank qualifications for Bank D. The list of available payment channels includes Payment Channel 1 and Payment Channel 2. Payment Channel 1 has acquiring bank qualifications for both Bank A and Bank B; and Payment Channel 2 has acquiring bank qualifications for both Bank C and Bank E. The list of available service providers is linked to banks A, B, C, and D, and the list of available payment channels is linked to banks A, B, C, and E. By taking the intersection, for bank A, both Service Provider 1 and Service Provider 2 in the list of available service providers possess acquiring bank qualifications for bank A, and Payment Channel 1 in the list of available payment channels possesses acquiring bank qualifications for bank A. For bank B, Service Provider 1 in the list of available service providers possesses acquiring bank qualifications for bank B, and Payment Channel 1 in the list of available payment channels possesses acquiring bank qualifications for bank B. For bank C, Service Provider 2 in the list of available service providers possesses acquiring bank qualifications for bank C, and Payment Channel 2 in the list of available payment channels possesses acquiring bank qualifications for bank C. For bank D, Service Provider 3 in the list of available service providers possesses acquiring bank qualifications for bank D, and no available payment channels are found in the list of available payment channels. For bank E, Payment Channel 2 in the list of available payment channels possesses acquiring bank qualifications for bank E, and no available service providers are found in the list of available service providers. Therefore, it can be determined that the available acquiring lines are lines A, B, and C, meaning the list of available acquiring lines includes lines A, B, and C.

[0127] Step 305: If there are candidate acquiring banks corresponding to the target service provider in the list of available acquiring banks, determine the target acquiring bank from the candidate acquiring banks corresponding to the target service provider.

[0128] In some embodiments, after determining the target service provider, the computer device can further determine the target acquiring line from the candidate acquiring lines corresponding to the target service provider. However, considering that the available acquiring line list is determined by taking the intersection, the candidate acquiring line corresponding to the target service provider may not be in the available acquiring line list.

[0129] In an illustrative example, the list of available service providers includes Service Provider 1, Service Provider 2, and Service Provider 3. Service Provider 1 has acquiring bank qualifications for both Bank A and Bank B, Service Provider 2 has acquiring bank qualifications for both Bank A and Bank C, and Service Provider 3 has acquiring bank qualifications for Bank D. The list of available payment channels includes Payment Channel 1 and Payment Channel 2. Payment Channel 1 has acquiring bank qualifications for both Bank A and Bank B, and Payment Channel 2 has acquiring bank qualifications for both Bank C and Bank E. Taking the intersection of the acquiring banks yields the list of available acquiring banks, which includes Bank A, Bank B, and Bank C. Therefore, if the target service provider is Service Provider 1 or Service Provider 2, the list of available acquiring banks will contain candidate acquiring banks corresponding to the target service provider; however, if the target service provider is Service Provider 3, the list of available acquiring banks will not contain any candidate acquiring banks corresponding to the target service provider.

[0130] Based on the above situation, before determining the target acquiring bank, the computer device needs to first determine whether there is a candidate acquiring bank corresponding to the target service provider in the list of available acquiring banks. If there is a candidate acquiring bank corresponding to the target service provider in the list of available acquiring banks, the computer device will determine the target acquiring bank from the candidate acquiring bank corresponding to the target service provider.

[0131] For example, if the target service provider is service provider 1, the candidate acquiring lines corresponding to service provider 1 are line A and line B, and both line A and line B are in the list of available acquiring lines. Then the computer device can select one of line A and line B as the target acquiring line.

[0132] Step 306: If there is no candidate acquiring bank corresponding to the target service provider in the list of available acquiring banks, re-determine the target service provider from the list of available service providers.

[0133] In one possible implementation, if there is no candidate acquiring line corresponding to the target service provider in the list of available acquiring lines, that is, if there is no available acquiring line after selecting the target service provider, the computer device needs to re-determine the target service provider from the list of available service providers.

[0134] For example, if the target service provider is service provider 3, the candidate acquiring line corresponding to service provider 3 is line D. Since line D is not in the list of available acquiring lines, the computer device needs to reselect service provider 1 or service provider 2 as the target service provider.

[0135] In one possible implementation, if the candidate service provider with the highest service provider weight is determined as the target service provider based on the service provider weights of each candidate service provider, but there is no candidate acquiring line corresponding to the target service provider in the available acquiring line list, the computer device can determine the candidate service provider with the second highest service provider weight as the target service provider, and then continue to determine whether there is a candidate acquiring line corresponding to the target service provider in the available acquiring line list, until there is a candidate acquiring line corresponding to the target service provider in the available acquiring line list.

[0136] Step 307: Determine the target payment channel from the payment channel set, which includes at least one candidate payment channel, each of which has the acquiring bank qualification of the target acquiring bank.

[0137] In some embodiments, after determining the target acquiring bank, candidate payment channels with acquiring bank qualifications of the target acquiring bank can be further identified from the list of available payment channels, thereby obtaining a payment channel set, from which the target payment channel can be determined. That is, the payment channel set includes candidate payment channels with acquiring bank qualifications of the target acquiring bank.

[0138] For example, the list of available payment channels includes payment channel 1 and payment channel 2. If the target service provider is service provider 1 and the target acquiring bank is bank A, then payment channel 1, which has the acquiring bank qualification of bank A, is the candidate payment channel. Since there is only one candidate payment channel, the computer device can directly determine payment channel 1 as the target payment channel.

[0139] Step 308: Based on the target service provider, target acquiring bank, and target payment channel, return the channel allocation results to the transaction system.

[0140] For a detailed implementation of this step, please refer to step 204. This embodiment will not elaborate further here.

[0141] In the above embodiments, from the perspective of service provider availability and payment channel availability, based on the first transaction data contained in each transaction request, the second transaction data of the security authentication supported by the service provider and the service provider availability truth value, the third transaction data of the security authentication supported by the payment channel and the channel availability truth value, the service provider list and the payment channel list are respectively blacklisted and corrected, thereby obtaining the service provider availability list and the payment channel availability list. Then, the target service provider is selected from the service provider availability list and the target payment channel is selected from the payment channel availability list, which can improve the efficiency of channel diversion and enrich the selection range of channel diversion while ensuring the effectiveness of channel diversion.

[0142] Furthermore, after determining the list of available service providers and the list of available payment channels, the list of available acquiring banks is determined by taking the intersection. This ensures that the available acquiring banks in the list of available acquiring banks have both associated service providers and associated payment channels, further optimizing the channel diversion process.

[0143] Considering that the purpose of security authentication is to ensure the security of online transactions, but the security authentication process is relatively cumbersome, if every transaction request requires security authentication, it may lead to excessively long transaction processing time and reduced transaction efficiency. Therefore, in some embodiments, a risk assessment can be performed on the transaction request before channel diversion, and a determination can be made on whether to perform security authentication based on the risk assessment results of the transaction request.

[0144] Optionally, risk assessment may include account credit risk assessment, operational risk assessment, technical risk assessment, etc., and may also include other assessment indicators that can effectively avoid transaction risks. This application embodiment does not limit this.

[0145] In one possible implementation, if there is a transaction risk in the transaction request, the computer device needs to perform security authentication on the transaction request. Therefore, it is necessary to first determine the target service provider from the list of available service providers, then determine the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, and then determine the target payment channel from the payment channel set, and finally generate a channel routing result that includes the target service provider, the target acquiring bank and the target payment channel.

[0146] In another possible implementation, if the transaction request does not pose a transaction risk, the computer device can directly determine the target payment channel from the list of available payment channels and the target acquiring bank from the candidate acquiring banks corresponding to the target payment channel, thereby generating a channel routing result that includes the target acquiring bank and the target payment channel. The target payment channel possesses the acquiring bank qualifications of the candidate acquiring banks.

[0147] By conducting risk assessments on transaction requests and performing security authentication only on those requests that pose a risk, excessively long transaction processing times can be avoided, thereby improving transaction efficiency.

[0148] In some embodiments, to improve the efficiency of transaction processing based on channel routing results, the target service provider, target acquiring bank, and target payment channel can be determined according to the service provider weight, acquiring bank weight, and channel weight, respectively. The process of determining the target service provider, target acquiring bank, and target payment channel will be described in turn below.

[0149] Please refer to Figure 4, which shows a flowchart of a transaction request processing method provided in another exemplary embodiment of this application. This embodiment uses the method applied to a computer device (including a terminal and / or a server) as an example for illustration. The method includes the following steps:

[0150] Step 401: Upon receiving a transaction request from the transaction system, filter the service providers in the service provider list based on the transaction request to obtain the available service provider list corresponding to the transaction request.

[0151] The implementation method of this step can be referred to step 301, and will not be repeated here in this embodiment.

[0152] Step 402: Based on the service provider weights of each candidate service provider in the service provider availability list, determine the target service provider from the service provider availability list. The service provider weight of the target service provider is higher than the service provider weights of other candidate service providers in the service provider availability list. The service provider weight is related to at least one of the service provider's transaction processing volume and transaction processing time.

[0153] Given that the list of available service providers may include multiple candidate service providers, in order to select one to provide security authentication services for the current transaction request, in some embodiments, the computer device can determine the target service provider from the list of available service providers based on the service provider weights of each candidate service provider in the list. The service provider weight of the target service provider is higher than the service provider weights of other candidate service providers in the list of available service providers.

[0154] Optionally, the service provider's weight can be related to at least one of the following: transaction processing volume and transaction processing time. Transaction processing volume refers to the number of historical transaction requests for the service provider, and transaction processing time refers to the duration from request initiation to transaction completion for each historical transaction. Optionally, the service provider's weight can be positively correlated with its transaction processing volume; the higher the transaction processing volume, the higher the service provider's weight, and vice versa. Optionally, the service provider's weight can be negatively correlated with its transaction processing time; the longer the transaction processing time, the lower the service provider's weight, and vice versa.

[0155] In one possible implementation, the computer device can determine the service provider weight based on the transaction volume of each candidate service provider within a historical time period and the average transaction processing time between historical transaction requests. Optionally, the service provider weight can be equal to a first proportional coefficient × transaction volume + a second proportional coefficient × average transaction processing time. Further, the computer device determines the candidate service provider with the highest service provider weight from the list of available service providers as the target service provider for the current transaction request.

[0156] Step 403: Sort the candidate acquiring lines based on the acquiring line weights of the candidate acquiring lines corresponding to the target service provider to obtain the acquiring line sorting results.

[0157] The acquiring bank weight of a candidate acquiring bank is related to at least one of the following: the number of service providers with acquiring bank qualifications and the number of payment channels; the truth value of service provider availability and the truth value of payment channel availability.

[0158] Similar to the process of determining the target acquiring bank, when the target acquiring bank corresponds to at least two candidate acquiring banks, the computer equipment can also determine the target acquiring bank from the candidate acquiring banks based on the acquiring bank weight of the candidate acquiring banks corresponding to the target acquiring bank.

[0159] Optionally, the acquiring bank weight of a candidate acquiring bank may be related to the number of service providers with acquiring bank qualifications, the number of payment channels with acquiring bank qualifications, the truth value of service provider availability with acquiring bank qualifications, or the truth value of channel availability with payment channels with acquiring bank qualifications.

[0160] Optionally, the acquiring bank weight of a candidate acquiring bank is positively correlated with the number of service providers associated with it; the more service providers associated with a candidate acquiring bank, the higher its acquiring bank weight. Here, service providers associated with a candidate acquiring bank refer to those with acquiring bank qualifications. Optionally, the acquiring bank weight of a candidate acquiring bank is also positively correlated with the number of payment channels associated with it; the more payment channels associated with a candidate acquiring bank, the higher its acquiring bank weight. Here, payment channels associated with a candidate acquiring bank refer to those with acquiring bank qualifications.

[0161] Optionally, the acquiring bank weight of a candidate acquiring bank is related to the truth value of the service provider availability of its associated service providers. The more service providers an acquiring bank is associated with, the higher its acquiring bank weight. Optionally, the acquiring bank weight of a candidate acquiring bank is related to the truth value of the channel availability of its associated payment channels. The more available payment channels an acquiring bank is associated with, the higher its acquiring bank weight.

[0162] Optionally, the acquiring bank weight can be equal to a first proportional coefficient × the number of associated available service providers + a second proportional coefficient × the number of associated available payment channels. In one possible implementation, the computer device sorts the candidate acquiring banks according to their acquiring bank weights from highest to lowest, thus obtaining the acquiring bank ranking result.

[0163] Step 404: Based on the acquiring bank ranking results, determine the candidate acquiring bank with the highest acquiring bank weight as the target acquiring bank.

[0164] Furthermore, based on the acquiring bank ranking results, the computer equipment determines the candidate acquiring bank with the highest acquiring bank weight as the target acquiring bank, that is, the acquiring bank weight of the target acquiring bank is higher than the acquiring bank weight of other candidate acquiring banks.

[0165] Step 405: Based on the channel weights of each candidate payment channel in the payment channel set, determine the target payment channel from the payment channel set. The channel weight of the target payment channel is higher than the channel weights of other candidate payment channels in the payment channel set. The channel weight is related to at least one of the transaction processing volume and transaction processing time corresponding to the payment channel.

[0166] In one possible implementation, after determining the target service provider and the target acquiring bank, a set of payment channels can be determined from the list of available payment channels corresponding to the current transaction request. Each candidate payment channel in this set possesses the acquiring bank qualifications of the target acquiring bank. If the payment channel set includes at least two candidate payment channels, the computer device can also determine the target payment channel based on the channel weights of each candidate payment channel. The target payment channel has a higher channel weight than the other candidate payment channels in the payment channel set.

[0167] Optionally, channel weight can be related to at least one of the following: transaction processing volume and transaction processing time. Transaction processing volume refers to the number of historical transaction requests corresponding to the payment channel, and transaction processing time refers to the duration from request initiation to transaction completion. Optionally, channel weight can be positively correlated with the transaction processing volume of the payment channel; the higher the transaction processing volume, the higher the channel weight, and vice versa. Optionally, channel weight can be negatively correlated with the transaction processing time of the payment channel; the longer the transaction processing time, the lower the service provider weight, and vice versa.

[0168] In one possible implementation, the computer device can determine the channel weight based on the transaction volume of each candidate payment channel within a historical time period and the average transaction processing time between historical transaction requests. Optionally, the channel weight can be equal to a first proportional coefficient × transaction volume + a second proportional coefficient × average transaction processing time. Further, the computer device determines the candidate payment channel with the highest channel weight in the payment channel set as the target payment channel for the current transaction request.

[0169] Step 406: Based on the target service provider, target acquiring bank, and target payment channel, return the channel allocation results to the transaction system.

[0170] For a detailed implementation of this step, please refer to step 204. This embodiment will not elaborate further here.

[0171] In the above embodiments, when there are multiple selectable service providers, acquiring banks, and payment channels, the target service provider, target acquiring bank, and target payment channel are determined sequentially based on the service provider weight, acquiring bank weight, and channel weight, thereby improving the efficiency of channel diversion and ensuring the high availability of the channel diversion results.

[0172] In the above embodiments, the processes of determining the available list of service providers, payment channels, and acquiring banks corresponding to a transaction request, as well as the processes of determining the target service provider, target acquiring bank, and target payment channel, can all be integrated into a machine learning-based traffic splitting model, which is then uniformly completed by the traffic splitting model.

[0173] Optionally, the input to the traffic splitting model is a transaction request, and the output is a channel splitting result that includes the target service provider, target acquiring bank, and target payment channel. Optionally, the traffic splitting model is pre-configured with each service provider, acquiring bank, and payment channel, and the traffic splitting model is dynamically optimized based on the channel splitting result of each historical transaction request.

[0174] Optionally, the traffic splitting model may include a service provider splitting network, an acquiring bank splitting network, and a payment channel splitting network. The service provider splitting network is used to filter target service providers from the available service provider list, the acquiring bank splitting network is used to determine the target acquiring bank from the candidate acquiring banks, and the payment channel splitting network is used to determine the target payment channel from the set of payment channels.

[0175] In one possible implementation, upon receiving a transaction request from the transaction system, the computer device can input the transaction request into the flow distribution model, output the target service provider through the service provider flow distribution network in the flow distribution model, and after obtaining the target service provider, input the transaction request and the target service provider into the acquiring bank flow distribution network in the flow distribution model, output the target acquiring bank through the acquiring bank flow distribution network, and then input the transaction request, the target service provider, and the target acquiring bank into the payment channel flow distribution network in the flow distribution model, output the target payment channel through the payment channel flow distribution network, and finally the flow distribution model outputs the channel flow distribution result containing the target service provider, the target acquiring bank, and the target payment channel.

[0176] Please refer to Figure 5, which shows a schematic diagram of the generation channel splitting result provided by an exemplary embodiment of this application.

[0177] Upon receiving a transaction request from the transaction system, the computer device first determines a service provider blacklist based on the first transaction data contained in the transaction request and the second transaction data on the security authentication supported by each service provider. The service provider list is then filtered using the blacklist to obtain a filtered service provider list. This filtered list is further corrected based on the service provider availability truth value for each service provider, thus obtaining the service provider availability list corresponding to the transaction request. Similarly, the payment channel availability list corresponding to the transaction request is obtained using a similar method. Finally, the acquiring bank availability list corresponding to the transaction request is determined by taking the intersection of the service provider availability list and the payment channel availability list. For illustrative purposes, as shown in Figure 5, the service provider availability list includes service provider 1, service provider 2, and service provider 3; the acquiring bank availability list and the payment channel availability list are not shown.

[0178] Furthermore, the computer device determines the target service provider from the list of available service providers based on the service provider weights of each service provider in the list. For example, as shown in Figure 5, service provider 1 has a higher service provider weight than the other service providers, making service provider 1 the target service provider.

[0179] After identifying Service Provider 1 as the target service provider, the computer equipment can determine the acquiring banks in the available acquiring bank list that Service Provider 1 possesses acquiring bank qualifications as candidate acquiring banks based on Service Provider 1's acquiring bank qualifications. Then, based on the acquiring bank weights of each candidate acquiring bank, the candidate acquiring bank with the highest acquiring bank weight is determined as the target acquiring bank. For example, as shown in Figure 5, if the available acquiring bank list includes candidate acquiring banks A, B, C, and D corresponding to Service Provider 1, and the acquiring bank weight of bank A is higher than the other acquiring banks, the computer equipment will determine bank A as the target acquiring bank.

[0180] Next, the computer equipment needs to retrieve payment channels with acquiring bank qualifications from the list of available payment channels. For example, as shown in Figure 5, if the available payment channels with acquiring bank qualifications from the list are payment channel 1, payment channel 2, payment channel 3, and payment channel 4, then there are currently four possible channel allocation combinations. Therefore, based on the channel weights corresponding to each payment channel, the computer equipment can determine a set of target channel allocation results for payment processing.

[0181] In conjunction with the above-described method embodiments, this application also proposes a payment system. Please refer to FIG6, which shows a structural block diagram of a payment system provided by an exemplary embodiment of this application.

[0182] As illustrated in Figure 6, the payment system 600 includes a transaction system 601 and a channel distribution system 602. Optionally, the transaction system 601 and the channel distribution system 602 can be deployed on the same server or on different servers.

[0183] The channel distribution system 602 is used to receive transaction requests sent by the transaction system 601.

[0184] Optionally, a payment system is the system used by financial institutions to provide payment services. A payment system includes a transaction system, which processes payment requests and generates payment results. The transaction system can process payments with acquiring banks through payment channels. To ensure the security and validity of transactions, the transaction system can also use security authentication services provided by service providers to securely authenticate the user's transaction identity.

[0185] Optionally, financial institutions may partner with multiple service providers, acquiring banks, and payment channels, meaning the payment system includes multiple selectable service providers, acquiring banks, and payment channels. Therefore, to determine the target service provider, target acquiring bank, and target payment channel for processing the current payment transaction, the payment system can also include a channel routing system to identify the target service provider, target acquiring bank, and target payment channel.

[0186] Optionally, the payment system also includes a payment client. The transaction system only sends a transaction request to the channel distribution system upon receiving a payment request from the payment client. Optionally, the payment client can be an application with payment functionality installed on the terminal.

[0187] In one possible implementation, upon receiving a payment initiation operation, the payment client generates a payment request and sends it to the transaction system. Upon receiving the payment request, the transaction system generates a transaction request based on the payment request and sends it to the channel distribution system.

[0188] Optionally, the payment request may include payment-related data such as payment product information, payment link address, payment initiation time, payment account, and merchant, but this application embodiment does not limit this.

[0189] Optionally, the transaction request may include user identity information, such as user age, user payment credit score, and user bank account information, as well as transaction order information, such as transaction amount and transaction product information, and may also include other transaction-related information, which are not limited in this embodiment.

[0190] Channel routing system 602 is used to generate channel routing results based on transaction requests.

[0191] Optionally, the channel allocation results include the target service provider, the target acquiring bank, and the target payment channel. The target service provider is determined from the list of available service providers, which is used for security authentication; the list includes at least one candidate service provider. The target acquiring bank is determined from the candidate acquiring banks corresponding to the target service provider, and the target service provider possesses the acquiring bank qualifications of the candidate acquiring bank. The target payment channel is determined from a set of payment channels, which includes at least one candidate payment channel, and each candidate payment channel possesses the acquiring bank qualifications of the target acquiring bank.

[0192] In one possible implementation, upon receiving a transaction request from the transaction system, the channel routing system first determines the target service provider from the list of available service providers, then determines the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, and then determines the target payment channel from the candidate payment channels with the acquiring bank qualifications of the target acquiring bank, thereby generating a channel routing result.

[0193] Optionally, the list of available service providers may include at least one candidate service provider, which is a service provider capable of providing security authentication for the current transaction request. To ensure the effectiveness of security authentication, the service provider providing security authentication services and the payment channel subsequently used for payment processing need to have the acquiring bank qualifications of the same acquiring bank.

[0194] Optionally, possessing acquiring bank qualifications refers to obtaining permission and authorization from that acquiring bank to process authentication and settlement services related to bank cards on its behalf. To ensure that the selected target payment channel and the identified target service provider share the same acquiring bank qualifications during subsequent channel allocation, the channel allocation system can first determine which acquiring banks the target service provider possesses after its selection, thus obtaining the corresponding candidate acquiring banks. In other words, the target service provider possesses the acquiring bank qualifications of each candidate acquiring bank.

[0195] After identifying the target service provider and the target acquiring bank, a payment channel set can be obtained. This payment channel set includes at least one candidate payment channel, and each candidate payment channel has the acquiring bank qualification of the target acquiring bank. Thus, the channel diversion system can randomly select a candidate payment channel from the payment channel set as the target payment channel, or it can determine the target payment channel from the payment channel set based on relevant channel data such as the payment success rate of each candidate payment channel.

[0196] The channel distribution system 602 is used to return the channel distribution results to the transaction system 601.

[0197] Transaction system 601 is used to obtain security authentication results from the target service provider based on the channel routing results, and complete the payment processing with the target acquiring bank through the target payment channel.

[0198] To ensure payment security, the transaction system first needs to securely authenticate the user's identity through the target service provider. Only after successful authentication can the payment be processed through the target payment channel and the target acquiring bank.

[0199] In one possible implementation, after obtaining the channel routing result, the transaction system can first request the target service provider to perform security authentication on the user of the current transaction. Upon receiving the security authentication result from the target service provider, and if the security authentication result indicates that the authentication was successful, the payment process can be completed through the target payment channel and the target acquiring bank. Optionally, the transaction system can transfer the transaction amount from the issuing bank of the user initiating the transaction to the target acquiring bank through the target payment channel, whereby the target acquiring bank receives and processes the merchant's transaction amount.

[0200] It should be noted that the process of how the channel distribution system handles transaction requests can be referred to the description of the transaction request processing method provided in the above embodiments, and will not be repeated here.

[0201] Please refer to Figure 7, which illustrates a system collaboration diagram between a transaction system and a channel distribution system provided in an exemplary embodiment of this application. The example assumes that the processing of transaction requests is performed by the channel distribution system, and the transaction system and the channel distribution system are deployed on different servers.

[0202] As illustrated in Figure 7, when a transaction initiated by a user is received within the transaction system, the transaction system sends a transaction request to the channel routing system to obtain the channel routing result. That is, there is one 3DS security authentication route and one payment route on the payment link of the transaction system. In this embodiment, by associating the service provider and payment channel with the acquiring bank within the channel routing system, a one-time end-to-end effect can be achieved, directly returning the channel routing result containing the target service provider, target acquiring bank, and target payment channel, without needing to separately return these three information to the transaction system.

[0203] In the channel routing system, the system first performs 3DS service provider routing to determine the target service provider corresponding to the current transaction request. Then, it associates the service provider with the same acquiring bank qualification with the payment channel. The target acquiring bank is first determined from the candidate acquiring banks corresponding to the target service provider, and then the target payment channel is determined from the candidate payment channels with the acquiring bank qualification of the target acquiring bank. This ensures that both the target service provider and the target payment channel have the acquiring bank qualification of the target acquiring bank. Finally, the channel routing system returns the channel routing result to the transaction system.

[0204] Upon receiving the channel routing result, the transaction system can obtain a security authentication result from the target service provider by providing security authentication services. If the security authentication result indicates successful authentication, payment processing will be initiated through the target payment channel and the target acquiring bank, generating the payment result.

[0205] In addition, in order to continuously optimize the service availability truth value and service provider weight of each service provider in the channel distribution system, the acquiring bank's acquiring bank weight, and the channel availability truth value and channel weight of the payment channel, the payment result can be reported to the channel distribution system after the transaction system generates the payment result. This allows the channel distribution system to promptly count historical transaction requests within the historical time period and update and optimize the system.

[0206] Please refer to Figure 8, which shows a flowchart of a transaction processing procedure provided by an exemplary embodiment of this application. In this embodiment, the processing of transaction requests is performed by a channel distribution system, and the transaction system and the channel distribution system are deployed on different servers.

[0207] Step 801, Begin.

[0208] Step 802: Upon receiving a payment request from the payment client, the transaction system initiates a transaction.

[0209] In one possible implementation, a user performs a payment operation within the payment client, and in response to this payment operation, the payment client sends a payment request to the transaction system. Upon receiving the payment request from the payment client, the transaction system generates a transaction request based on the payment request and sends the transaction request to the channel distribution system.

[0210] Optionally, the payment request may include payment-related data such as payment product information, payment link address, payment initiation time, payment account, and merchant, but this application embodiment does not limit this.

[0211] Optionally, the transaction request may include user identity information, such as user age, user payment credit score, and user bank account information, as well as transaction order information, such as transaction amount and transaction product information, and may also include other transaction-related information, which are not limited in this embodiment.

[0212] Step 803: Determine if there are any risks associated with the transaction?

[0213] Considering that the purpose of security authentication is to ensure the security of online transactions, but the security authentication process is relatively cumbersome, if every transaction request requires security authentication, it may lead to excessively long transaction processing time and reduced transaction efficiency. Therefore, in some embodiments, a risk assessment can be performed on the transaction request before channel diversion, and a determination can be made on whether to perform security authentication based on the risk assessment results of the transaction request.

[0214] Optionally, risk assessment may include account credit risk assessment, operational risk assessment, technical risk assessment, etc., and may also include other assessment indicators that can effectively avoid transaction risks. This application embodiment does not limit this.

[0215] Step 804: In the event of transaction risk, the transaction system initiates 3DS security authentication for the current transaction.

[0216] In one possible implementation, if a transaction request poses a risk, the transaction system needs to initiate 3DS security authentication to ensure transaction security. 3DS security authentication is an online payment security authentication technology designed to protect online transactions by adding an extra layer of verification to reduce fraud and unauthorized transactions. When consumers use 3DS-enabled credit or debit cards for online shopping, they are required to provide additional authentication information, such as a password or one-time verification code, to confirm their identity.

[0217] Step 805: The transaction system calls the channel distribution system to determine the target service provider corresponding to the current transaction. The target service provider is used for security authentication.

[0218] Optionally, to complete 3DS security authentication, the transaction system needs to determine the target service provider for the security authentication. In one possible implementation, the transaction system can invoke a channel distribution system to determine the target service provider for the current transaction from a list of service providers.

[0219] Optionally, the payment client, transaction system, and channel distribution system are all provided by financial institutions, and the service providers in the service provider list are those that have established cooperative relationships with financial institutions.

[0220] Step 806: The channel distribution system determines the target service provider from the list of available service providers based on the transaction request. The list of available service providers includes at least one candidate service provider.

[0221] Optionally, considering that not all service providers can provide security authentication services for every transaction request, the channel routing system also needs to filter each service provider in the service provider list according to the transaction request, so as to obtain the service provider available list corresponding to the current transaction request, and then determine the target service provider from the service provider available list.

[0222] Optionally, the process of determining the list of available service providers may include two sub-processes: filtering a service provider blacklist and revising the service provider list based on service provider availability truth values. In one possible implementation, the channel distribution system can first determine a service provider blacklist based on the first transaction data contained in the transaction request and the second transaction data on the security authentication supported by each service provider. Service providers on the blacklist do not support security authentication for the current transaction request. After determining the service provider blacklist corresponding to the current transaction request, the channel distribution system can filter the service provider list based on the blacklist to obtain a filtered service provider list. Furthermore, to improve transaction efficiency, the channel distribution system can further revise the filtered service provider list based on the service provider availability truth values ​​corresponding to each service provider, thereby obtaining the list of available service providers for the transaction request. Here, the service provider availability truth value is used to characterize the availability of the service provider.

[0223] Furthermore, after obtaining the list of available service providers, in order to select one from it to provide security authentication services for the current transaction request, in one possible implementation, the channel routing system can determine the target service provider from the list of available service providers based on the service provider weights of each candidate service provider in the list. The target service provider's service provider weight is higher than the service provider weights of other candidate service providers in the list, and the service provider weight is related to at least one of the service provider's corresponding transaction processing volume and transaction processing time.

[0224] Step 807: The transaction system performs 3DS security authentication on the current transaction through the target service provider.

[0225] Once a target service provider is identified, the transaction system can initiate a security authentication request to the target service provider, which will then perform 3DS security authentication on the current transaction and return the 3DS security authentication result to the transaction system.

[0226] Step 808: Was the 3DS security authentication successful?

[0227] The transaction system determines whether to continue processing the current payment request based on the 3DS security authentication result. If the 3DS security authentication result is successful, proceed to step 809; if the 3DS security authentication result fails, proceed to step 817.

[0228] Step 809: The transaction system continues the payment process.

[0229] In one possible implementation, if there is no transaction risk in the transaction request, the transaction system may not perform security authentication on the transaction request and may directly call the channel routing system to determine the target payment channel and the target acquiring bank.

[0230] In another possible implementation, if the 3DS security authentication result of the current transaction is successful, the transaction system also needs to continue to determine the target payment channel and the target acquiring bank through the channel routing system.

[0231] Step 810: The transaction system calls the channel distribution system to determine the target acquiring bank and the target payment channel.

[0232] In one possible implementation, if there is no transaction risk in the transaction request, or if the 3DS security authentication result of the current transaction is successful, the transaction system calls the channel routing system to determine the target acquiring bank and the target payment channel through the channel routing system.

[0233] It should be noted that this embodiment only describes the transaction processing from the perspective of the execution flow of the transaction link within the transaction system, and therefore describes it as two calls to the channel distribution system. That is, after receiving the payment request sent by the payment client, the transaction system can directly obtain the channel distribution result returned by the channel distribution system by calling the channel distribution system only once, through a one-time full-link call to the channel distribution system.

[0234] In cases where a transaction request carries transaction risk, the channel routing result includes the target service provider, the target acquiring bank, and the target payment channel; in cases where a transaction request does not carry transaction risk, the channel routing result includes the target acquiring bank and the target payment channel.

[0235] Step 811: Is there a 3DS certification result?

[0236] In one possible implementation, to ensure the effectiveness of security authentication, the service provider offering the security authentication service and the payment channel subsequently used for payment processing need to have the acquiring bank qualification of the same acquiring bank. Before determining the target payment channel, the channel routing system needs to first determine whether there is a 3DS authentication result. If a 3DS authentication result exists, it means that the target service provider has been determined. Therefore, to ensure that the target payment channel and the target service provider have the acquiring bank qualification of the same target acquiring bank, the process can proceed to step 812. If no 3DS authentication result exists, it means that the target service provider has not been determined. The process of determining the target payment channel can proceed independently of the service provider determination result, and the process proceeds to step 814.

[0237] Step 812: The channel distribution system determines the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, and the target service provider has the acquiring bank qualifications of the candidate acquiring bank.

[0238] In one possible implementation, if a 3DS authentication result exists, indicating that the target service provider has been identified, the channel routing system needs to first determine the target acquiring bank from the candidate acquiring banks corresponding to the target service provider.

[0239] Optionally, considering that the target service provider and the target payment channel need to have the acquiring bank qualifications of the same acquiring bank, and that there might be a certain acquiring bank where a usable service provider has the acquiring bank qualifications, but no usable payment channel has the acquiring bank qualifications, meaning that after determining the target service provider and the target acquiring bank, there might not be any usable payment channels. Therefore, to avoid the above situation, before determining the target acquiring bank, the channel routing system can also first determine the usable acquiring banks. That is, for a usable acquiring bank, there are both usable service providers and usable payment channels that have the acquiring bank qualifications of that usable acquiring bank.

[0240] In one possible implementation, in order to determine the available acquiring banks, the channel routing system can first determine the list of available payment channels from the list of payment channels. The process of determining the list of available payment channels can refer to the process of determining the list of available service providers and the above embodiments, and will not be repeated here.

[0241] Furthermore, the channel distribution system determines the acquiring bank availability list based on the first acquiring bank qualifications of each candidate service provider in the service provider availability list and the second acquiring bank qualifications of each payment channel in the payment channel availability list. This ensures that for each available acquiring bank in the acquiring bank availability list, there are candidate service providers in the service provider availability list with acquiring bank qualifications, and there are payment channels in the payment channel availability list with acquiring bank qualifications.

[0242] Furthermore, the channel routing system first determines whether there is a candidate acquiring bank corresponding to the target service provider in the list of available acquiring banks. If there is a candidate acquiring bank corresponding to the target service provider in the list of available acquiring banks, the target acquiring bank is determined from the candidate acquiring bank corresponding to the target acquiring bank. If there is no candidate acquiring bank corresponding to the target service provider in the list of available acquiring banks, that is, if there is no available acquiring bank after selecting the target service provider, the target service provider needs to be determined again from the list of available service providers, and then the target acquiring bank is determined from the candidate acquiring bank corresponding to the target service provider.

[0243] Step 813: The channel routing system determines the target payment channel from the payment channel set. The payment channel set includes at least one candidate payment channel, and each candidate payment channel has the acquiring bank qualification of the target acquiring bank.

[0244] In one possible implementation, after determining the target acquiring bank, the channel routing system can further determine candidate payment channels with acquiring bank qualifications of the target acquiring bank from the list of available payment channels, thereby obtaining a set of payment channels, and determining the target payment channel from the set of payment channels.

[0245] Optionally, the channel allocation system can determine the target payment channel from the payment channel set based on the channel weights of each candidate payment channel. The target payment channel has a higher channel weight than other candidate payment channels in the payment channel set, and the channel weight is related to at least one of the following: transaction volume and transaction processing time.

[0246] Step 814: The channel routing system determines the target payment channel from the list of available payment channels, which includes at least one available payment channel.

[0247] In one possible implementation, in the absence of a 3DS authentication result, the channel routing system can directly determine the target payment channel from the list of available payment channels.

[0248] Optionally, the channel routing system can determine the target payment channel based on the channel weights of each available payment channel in the list of available payment channels. The target payment channel has a higher channel weight than other available payment channels in the list, and the channel weight is related to at least one of the following: transaction volume and transaction processing time.

[0249] Step 815: The channel routing system determines the target acquiring bank from the candidate acquiring banks corresponding to the target payment channel, and the target payment channel has the acquiring bank qualifications of the candidate acquiring bank.

[0250] Furthermore, after determining the target payment channel, the channel routing system can select the target acquiring bank from the candidate acquiring banks corresponding to the target payment channel, based on the acquiring bank weights of each candidate acquiring bank. The acquiring bank weights of the candidate acquiring banks can be related to the number of service providers with acquiring bank qualifications, the number of payment channels with acquiring bank qualifications, the service provider availability truth value of service providers with acquiring bank qualifications, or the channel availability truth value of payment channels with acquiring bank qualifications.

[0251] Step 816: The transaction system completes the payment processing based on the target acquiring bank and the target payment channel.

[0252] In one possible implementation, if there is no transaction risk in the transaction request, or if the 3DS security authentication result of the current transaction is successful, the transaction system can transfer the transaction amount from the issuing bank of the user who initiated the transaction payment to the target acquiring bank through the target payment channel, and the target acquiring bank will receive and process the merchant's transaction amount.

[0253] Step 817, End.

[0254] Please refer to Figure 9, which shows a structural block diagram of a transaction request processing apparatus provided in an exemplary embodiment of this application. The apparatus includes:

[0255] The service provider determination module 901 is used to determine a target service provider from a list of available service providers when a transaction request is received from the transaction system. The list of available service providers includes at least one candidate service provider, and the target service provider is used for security authentication.

[0256] The acquiring bank determination module 902 is used to determine the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, wherein the target service provider has the acquiring bank qualifications of the candidate acquiring banks;

[0257] The channel determination module 903 is used to determine a target payment channel from a payment channel set, wherein the payment channel set includes at least one candidate payment channel, and each candidate payment channel has the acquiring bank qualification of the target acquiring bank;

[0258] The result return module 904 is used to return a channel routing result to the transaction system based on the target service provider, the target acquiring bank, and the target payment channel, so that the transaction system can obtain the security authentication result from the target service provider and complete the payment processing with the target acquiring bank through the target payment channel.

[0259] Optionally, the service provider determination module 901 includes:

[0260] The first service provider determination unit is used to, upon receiving the transaction request sent by the transaction system, filter each service provider in the service provider list based on the transaction request to obtain the available service provider list corresponding to the transaction request;

[0261] The second service provider determination unit is used to determine the target service provider from the service provider availability list based on the service provider weights of each candidate service provider in the service provider availability list. The service provider weight of the target service provider is higher than the service provider weights of other candidate service providers in the service provider availability list. The service provider weight is related to at least one of the transaction processing volume and transaction processing time corresponding to the service provider.

[0262] Optionally, the first service provider determination unit is used for:

[0263] Upon receiving the transaction request sent by the transaction system, a service provider blacklist is determined based on the first transaction data contained in the transaction request and the second transaction data of the security authentication supported by each service provider. The service providers in the service provider blacklist do not support the security authentication of the transaction request.

[0264] The service provider list is filtered based on the service provider blacklist to obtain a filtered service provider list.

[0265] The filtered list of service providers is corrected based on the service provider availability truth value corresponding to each service provider to obtain the service provider availability list corresponding to the transaction request. The service provider availability truth value is used to indicate whether the service provider is available.

[0266] Optionally, the device further includes:

[0267] The first request acquisition module is used to acquire, for each of the service providers, the corresponding historical transaction requests of the service provider within the historical time period;

[0268] The first success rate statistics module is used to determine the first historical transaction success rate of the service provider based on the transaction results corresponding to the historical transaction requests.

[0269] The first service provider determination unit is used to determine the service provider as an available service provider if the first historical transaction success rate is not less than the first success rate threshold.

[0270] The first service provider determination unit is used to determine that the service provider is an unavailable service provider when the first historical transaction success rate is less than the first success rate threshold.

[0271] Optionally, the device further includes:

[0272] The channel determination module 903 is used to, upon receiving the transaction request sent by the transaction system, filter each payment channel in the payment channel list based on the transaction request to obtain the available payment channel list corresponding to the transaction request;

[0273] The acquiring bank determination module 902 is used to determine the acquiring bank availability list based on the first acquiring bank qualification of each candidate service provider in the service provider availability list and the second acquiring bank qualification of each payment channel in the payment channel availability list.

[0274] Specifically, for the available acquiring banks in the acquiring bank available list, there exists a candidate service provider in the service provider available list that has the acquiring bank qualification of the available acquiring bank, and there exists a payment channel in the payment channel available list that has the acquiring bank qualification of the available acquiring bank.

[0275] Optionally, the acquiring bank determination module 902 is used for:

[0276] If the candidate acquiring line corresponding to the target service provider exists in the list of available acquiring lines, the target acquiring line is determined from the candidate acquiring line corresponding to the target service provider;

[0277] The device further includes:

[0278] The service provider determination module 901 is used to re-determine the target service provider from the available service provider list when the candidate acquiring line corresponding to the target service provider does not exist in the available acquiring line list.

[0279] Optionally, the channel determination module 903 is used for:

[0280] Upon receiving the transaction request sent by the transaction system, a payment channel blacklist is determined based on the first transaction data contained in the transaction request and the third transaction data supported by each payment channel. The payment channels in the payment channel blacklist do not support processing the transaction request.

[0281] The payment channel list is filtered based on the aforementioned payment channel blacklist to obtain the filtered payment channel list.

[0282] The filtered payment channel list is corrected based on the channel availability truth value corresponding to each payment channel to obtain the payment channel availability list corresponding to the transaction request. The channel availability truth value is used to indicate whether the payment channel is available.

[0283] Optionally, the device further includes:

[0284] The second request acquisition module is used to acquire, for each of the payment channels, the historical transaction requests corresponding to the payment channel within the historical time period;

[0285] The second success rate statistics module is used to determine the second historical transaction success rate corresponding to the payment channel based on the transaction results corresponding to the historical transaction requests.

[0286] The channel determination module 903 is used to determine the payment channel as an available payment channel when the second historical transaction success rate is not less than the second success rate threshold.

[0287] The channel determination module 903 is used to determine that the payment channel is an unavailable payment channel when the second historical transaction success rate is less than the second success rate threshold.

[0288] Optionally, the service provider determination module 901 is used for:

[0289] If the transaction request poses a transaction risk, the target service provider shall be determined from the list of available service providers.

[0290] The device further includes:

[0291] The channel determination module 903 is used to determine the target payment channel from the list of available payment channels when the transaction request does not have the transaction risk.

[0292] Optionally, the acquiring bank determination module 902 is used for:

[0293] Based on the acquiring bank weight corresponding to the target service provider, the candidate acquiring banks are sorted to obtain the acquiring bank sorting result;

[0294] Based on the acquiring bank sorting results, the candidate acquiring bank with the highest acquiring bank weight is determined as the target acquiring bank;

[0295] The acquiring bank weight of the candidate acquiring bank is related to at least one of the following: the number of service providers with acquiring bank qualifications of the candidate acquiring bank, the number of payment channels, the service provider availability truth value of service providers with acquiring bank qualifications of the candidate acquiring bank, and the payment channel availability truth value.

[0296] Optionally, the channel determination module 903 is used for:

[0297] Based on the channel weights of each candidate payment channel in the payment channel set, the target payment channel is determined from the payment channel set. The channel weight of the target payment channel is higher than the channel weights of other candidate payment channels in the payment channel set. The channel weight is related to at least one of the transaction processing volume and transaction processing time corresponding to the payment channel.

[0298] In summary, this embodiment decouples the security authentication process from the payment clearing process and associates them through acquiring bank qualifications with the same acquiring bank. Upon receiving a transaction request from the transaction system, the target service provider is first determined from the list of available service providers. Based on the acquiring bank qualifications of the target service provider, the target acquiring bank is determined from the candidate acquiring banks corresponding to the target service provider. Then, the target payment channel is determined from the candidate payment channels with the acquiring bank qualifications of the target acquiring bank. This ensures that the target service provider and the target payment channel share the same acquiring bank qualification, guaranteeing the effectiveness of security authentication.

[0299] Furthermore, during the selection process of service providers and payment channels, since the acquiring banks corresponding to the acquiring bank qualifications of service providers and payment channels are not exactly the same, a variety of possible combinations of service providers and payment channels can be generated. This expands the range of channel diversion options, avoids the impact of a single channel failure on the transaction process, and improves the availability of channel diversion.

[0300] It should be noted that the apparatus provided in the above embodiments is only an example of the division of the above functional modules. In practical applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the apparatus can be divided into different functional modules to complete all or part of the functions described above. In addition, the apparatus and method embodiments provided in the above embodiments belong to the same concept, and their implementation process can be found in the method embodiments, which will not be repeated here.

[0301] Please refer to Figure 10, which shows a schematic diagram of the structure of a computer device provided in an exemplary embodiment of this application. Specifically, the computer device 1000 includes a Central Processing Unit (CPU) 1001, a system memory 1004 including a random access memory 1002 and a read-only memory 1003, and a system bus 1005 connecting the system memory 1004 and the CPU 1001. The computer device 1000 may also include a basic input / output system (I / O system) 1006 to facilitate the transmission of information between various devices within the computer, and a mass storage device 1007 for storing the operating system 1013, application programs 1014, and other program modules 1015.

[0302] In some embodiments, the basic input / output system 1006 includes a display 1008 for displaying information and an input device 1009 for user input, such as a mouse or keyboard. Both the display 1008 and the input device 1009 are connected to the central processing unit 1001 via an input / output controller 1010 connected to the system bus 1005. The basic input / output system 1006 may also include the input / output controller 1010 for receiving and processing input from multiple other devices such as a keyboard, mouse, or electronic stylus. Similarly, the input / output controller 1010 also provides output to a display screen, printer, or other types of output devices.

[0303] The mass storage device 1007 is connected to the central processing unit 1001 via a mass storage controller (not shown) connected to the system bus 1005. The mass storage device 1007 and its associated computer-readable media provide non-volatile storage for the computer device 1000. That is, the mass storage device 1007 may include computer-readable media (not shown) such as a hard disk or drive.

[0304] Without loss of generality, the computer-readable medium may include computer storage media and communication media. Computer storage media include volatile and non-volatile, removable and non-removable media implemented using any method or technology for storing information such as computer-readable instructions, data structures, program modules, or other data. Computer storage media include random access memory (RAM), read-only memory (ROM), flash memory or other solid-state storage technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic tape cassettes, magnetic tape, disk storage, or other magnetic storage devices. Of course, those skilled in the art will recognize that the computer storage media are not limited to the above-mentioned types. The system memory 1004 and mass storage device 1007 described above can be collectively referred to as memory.

[0305] The memory stores one or more programs, which are configured to be executed by one or more central processing units 1001. The one or more programs contain instructions for implementing the above methods, and the central processing unit 1001 executes the one or more programs to implement the transaction request processing methods provided in the above method embodiments.

[0306] According to various embodiments of this application, the computer device 1000 can also be connected to a remote computer on a network, such as the Internet. That is, the computer device 1000 can be connected to the network 1011 via the network interface unit 1012 connected to the system bus 1005, or the network interface unit 1012 can be used to connect to other types of networks or remote computer systems (not shown).

[0307] This application also provides a computer-readable storage medium storing at least one computer instruction, which is loaded and executed by a processor to implement the transaction request processing method described in the above embodiments.

[0308] Optionally, the computer-readable storage medium may include ROM, RAM, solid-state drives (SSDs), or optical discs, etc. The RAM may include resistive random access memory (ReRAM) and dynamic random access memory (DRAM).

[0309] This application provides a computer program product including at least one computer instruction stored in a computer-readable storage medium. A processor of a computer device reads the at least one computer instruction from the computer-readable storage medium and executes the at least one computer instruction, causing the computer device to perform the transaction request processing method described in the above embodiments.

[0310] Those skilled in the art will understand that all or part of the steps of the above embodiments can be implemented by hardware or by a program instructing related hardware. The program can be stored in a computer-readable storage medium, such as a read-only memory, a disk, or an optical disk.

[0311] The above description is merely an optional embodiment of this application and is not intended to limit this application. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. A transaction request processing method, the method being executed by a computer device, the method comprising: Upon receiving a transaction request from the transaction system, a target service provider is determined from the list of available service providers, which includes at least one candidate service provider. The target service provider is used for security authentication. The target acquiring bank is determined from the candidate acquiring banks corresponding to the target service provider, and the target service provider has the acquiring bank qualifications of the candidate acquiring bank; A target payment channel is determined from a set of payment channels, the set of payment channels including at least one candidate payment channel, each of the candidate payment channels having the acquiring bank qualification of the target acquiring bank; Based on the target service provider, the target acquiring bank, and the target payment channel, the channel routing result is returned to the transaction system so that the transaction system can obtain the security authentication result from the target service provider and complete the payment processing with the target acquiring bank through the target payment channel.

2. The method according to claim 1, wherein, Upon receiving a transaction request from the transaction system, determining the target service provider from the list of available service providers includes: Upon receiving the transaction request sent by the transaction system, the service providers in the service provider list are filtered based on the transaction request to obtain the available list of service providers corresponding to the transaction request; Based on the service provider weights of each candidate service provider in the service provider availability list, the target service provider is determined from the service provider availability list. The service provider weight of the target service provider is higher than the service provider weights of other candidate service providers in the service provider availability list. The service provider weight is related to at least one of the transaction processing volume and transaction processing time of the service provider.

3. The method according to claim 2, wherein, Upon receiving the transaction request sent by the transaction system, the step of filtering each service provider in the service provider list based on the transaction request to obtain the available service provider list corresponding to the transaction request includes: Upon receiving the transaction request sent by the transaction system, a service provider blacklist is determined based on the first transaction data contained in the transaction request and the second transaction data of the security authentication supported by each service provider. The service providers in the service provider blacklist do not support the security authentication of the transaction request. The service provider list is filtered based on the service provider blacklist to obtain a filtered service provider list. The filtered list of service providers is corrected based on the service provider availability truth value corresponding to each service provider to obtain the service provider availability list corresponding to the transaction request. The service provider availability truth value is used to indicate whether the service provider is available.

4. The method according to claim 3, wherein, The method further includes: For each of the service providers, obtain the historical transaction requests corresponding to the service provider within the historical time period; Based on the transaction results corresponding to the historical transaction requests, the first historical transaction success rate corresponding to the service provider is determined; If the first historical transaction success rate is not less than the first success rate threshold, the service provider is determined to be an available service provider; If the first historical transaction success rate is less than the first success rate threshold, the service provider is determined to be an unavailable service provider.

5. The method according to any one of claims 1 to 4, wherein, The method further includes: Upon receiving the transaction request sent by the transaction system, the payment channels in the payment channel list are filtered based on the transaction request to obtain the available payment channel list corresponding to the transaction request; Based on the first acquiring bank qualification of each candidate service provider in the service provider availability list and the second acquiring bank qualification of each payment channel in the payment channel availability list, the acquiring bank availability list is determined. Specifically, for the available acquiring banks in the acquiring bank available list, there exists a candidate service provider in the service provider available list that has the acquiring bank qualification of the available acquiring bank, and there exists a payment channel in the payment channel available list that has the acquiring bank qualification of the available acquiring bank.

6. The method according to claim 5, wherein, The step of determining the target acquiring bank from the candidate acquiring banks corresponding to the target service provider includes: If the candidate acquiring line corresponding to the target service provider exists in the list of available acquiring lines, the target acquiring line is determined from the candidate acquiring line corresponding to the target service provider; The method further includes: If the candidate acquiring bank corresponding to the target service provider does not exist in the list of available acquiring banks, the target service provider shall be re-determined from the list of available service providers.

7. The method according to claim 5, wherein, Upon receiving the transaction request sent by the transaction system, the method involves filtering each payment channel in the payment channel list based on the transaction request to obtain a list of available payment channels corresponding to the transaction request, including: Upon receiving the transaction request sent by the transaction system, a payment channel blacklist is determined based on the first transaction data contained in the transaction request and the third transaction data supported by each payment channel. The payment channels in the payment channel blacklist do not support processing the transaction request. Based on the blacklist of payment channels, the list of payment channels is filtered to obtain the filtered list of payment channels. The filtered payment channel list is corrected based on the channel availability truth value corresponding to each payment channel to obtain the payment channel availability list corresponding to the transaction request. The channel availability truth value is used to indicate whether the payment channel is available.

8. The method according to claim 7, wherein, The method further includes: For each payment channel, obtain the historical transaction requests corresponding to that payment channel within the historical time period; Based on the transaction results corresponding to the historical transaction requests, the second historical transaction success rate corresponding to the payment channel is determined; If the second historical transaction success rate is not less than the second success rate threshold, the payment channel is determined to be an available payment channel; If the second historical transaction success rate is less than the second success rate threshold, the payment channel is determined to be an unavailable payment channel.

9. The method according to claim 5, wherein, Upon receiving a transaction request from the transaction system, determining the target service provider from the list of available service providers includes: If the transaction request poses a transaction risk, the target service provider shall be determined from the list of available service providers. The method further includes: If the transaction request does not involve the aforementioned transaction risk, the target payment channel is determined from the list of available payment channels.

10. The method according to any one of claims 1 to 9, wherein, The step of determining the target acquiring bank from the candidate acquiring banks corresponding to the target service provider includes: Based on the acquiring bank weight corresponding to the target service provider, the candidate acquiring banks are sorted to obtain the acquiring bank sorting result; Based on the acquiring bank sorting results, the candidate acquiring bank with the highest acquiring bank weight is determined as the target acquiring bank; The acquiring bank weight of the candidate acquiring bank is related to at least one of the following: the number of service providers with acquiring bank qualifications of the candidate acquiring bank, the number of payment channels, the service provider availability truth value of service providers with acquiring bank qualifications of the candidate acquiring bank, and the payment channel availability truth value.

11. The method according to any one of claims 1 to 10, wherein, The step of determining the target payment channel from the set of payment channels includes: Based on the channel weights of each candidate payment channel in the payment channel set, the target payment channel is determined from the payment channel set. The channel weight of the target payment channel is higher than the channel weights of other candidate payment channels in the payment channel set. The channel weight is related to at least one of the transaction processing volume and transaction processing time corresponding to the payment channel.

12. A payment system, the system comprising a transaction system and a channel distribution system; The channel distribution system is used to receive transaction requests sent by the transaction system; The channel routing system is used to generate channel routing results based on the transaction request. The channel routing results include the target service provider, the target acquiring bank, and the target payment channel. The target service provider is determined from a list of available service providers, which is used for security authentication. The list of available service providers includes at least one candidate service provider. The target acquiring bank is determined from the candidate acquiring banks corresponding to the target service provider, and the target service provider has the acquiring bank qualifications of the candidate acquiring bank. The target payment channel is determined from a set of payment channels, which includes at least one candidate payment channel, and each candidate payment channel has the acquiring bank qualifications of the target acquiring bank. The channel distribution system is used to return the channel distribution results to the transaction system; The transaction system is used to obtain security authentication results from the target service provider based on the channel diversion results, and complete the payment processing with the target acquiring bank through the target payment channel.

13. The system according to claim 12, wherein, The system also includes a payment client; The payment client is used to generate a payment request upon receiving a payment initiation operation and send the payment request to the transaction system. The transaction system is configured to, upon receiving the payment request, generate the transaction request based on the payment request and send the transaction request to the channel distribution system.

14. A transaction request processing apparatus, the apparatus comprising: The service provider determination module is used to determine a target service provider from a list of available service providers when a transaction request is received from the transaction system. The list of available service providers includes at least one candidate service provider, and the target service provider is used for security authentication. The acquiring bank determination module is used to determine the target acquiring bank from the candidate acquiring banks corresponding to the target service provider, wherein the target service provider has the acquiring bank qualifications of the candidate acquiring banks; The channel determination module is used to determine a target payment channel from a set of payment channels, the set of payment channels including at least one candidate payment channel, and each candidate payment channel having the acquiring bank qualification of the target acquiring bank; The result return module is used to return a channel routing result to the transaction system based on the target service provider, the target acquiring bank, and the target payment channel, so that the transaction system can obtain the security authentication result from the target service provider and complete the payment processing with the target acquiring bank through the target payment channel.

15. A computer device comprising a processor and a memory; the memory storing at least one computer instruction, the at least one computer instruction being executed by the processor to implement the transaction request processing method as described in any one of claims 1 to 11.

16. A computer-readable storage medium storing at least one computer instruction, the at least one computer instruction being executed by a processor to implement the transaction request processing method as described in any one of claims 1 to 11.

17. A computer program product comprising at least one computer instruction stored in a computer-readable storage medium; a processor of a computer device reading the at least one computer instruction from the computer-readable storage medium, the processor executing the at least one computer instruction to cause the computer device to implement the transaction request processing method as described in any one of claims 1 to 11.

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