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CN-121998634-A - Transaction method, device, equipment, storage medium and product

CN121998634ACN 121998634 ACN121998634 ACN 121998634ACN-121998634-A

Abstract

The application discloses a transaction method, a device, equipment, a storage medium and a product, which relate to the technical field of data processing, wherein the transaction method comprises the steps of determining transaction information corresponding to a transaction request when the transaction request of a user is detected; and determining route parameter information based on the target route channel, and completing the transaction corresponding to the transaction request based on the route parameter information. Because the application determines the target route channel according to the transaction information, determines the route parameter information based on the target route channel, and completes the transaction corresponding to the transaction request based on the route parameter information. Compared with the existing mode of only supporting a single operation mechanism when using a hard wallet to conduct transaction, the mode of the application can conduct payment routing decision and selection during transaction, and improves flexibility and user experience of the transaction.

Inventors

  • DUAN SHUANGGANG
  • HOU ZHAOSEN

Assignees

  • 中移动金融科技有限公司
  • 中国移动通信集团有限公司

Dates

Publication Date
20260508
Application Date
20241108

Claims (10)

  1. 1. A method of trading, the method comprising the steps of: when a transaction request of a user is detected, determining transaction information corresponding to the transaction request; Determining a target routing channel according to the transaction information; And determining routing parameter information based on the target routing channel, and completing the transaction corresponding to the transaction request based on the routing parameter information.
  2. 2. The transaction method according to claim 1, wherein the step of determining a target routing channel based on the transaction information includes: Determining merchant information according to the transaction information; judging whether a customized routing channel exists in the transaction corresponding to the transaction information according to the merchant information; And if the transaction corresponding to the transaction information has a customized routing channel, the target routing channel is the customized routing channel.
  3. 3. The method of claim 2, wherein after the step of determining whether the transaction corresponding to the transaction information has a customized routing channel according to the merchant information, the method further comprises: if the transaction corresponding to the transaction information does not have a customized routing channel, acquiring general configuration information corresponding to the transaction information; screening the routing channels according to the wildcard information to obtain a routing channel list; and determining a target routing channel based on the routing channel list.
  4. 4. A transaction method according to claim 3, wherein the step of determining a target routing channel based on the routing channel list includes: Determining the priority of each routing channel in the routing channel list; Determining a routing channel with the largest priority according to the priority; if more than one routing channel with the largest priority is provided, acquiring the operation mechanism information corresponding to the routing channel with the largest priority; And determining a target routing channel according to the operation mechanism information.
  5. 5. The transaction method according to claim 4, wherein the step of determining the priority of each routing channel in the routing channel list includes: Determining operation mechanism information of operation mechanisms corresponding to each routing channel in the routing channel list; Determining target weight information and grading information of the operation mechanism according to the operation mechanism information; And determining the priority of the routing channel based on the target weight information and the scoring information.
  6. 6. A transaction method according to any of claims 1-4, wherein the step of determining routing parameter information based on the target routing channel includes: determining interface request parameter information based on the target routing channel; determining a configuration file corresponding to the target routing channel; and dynamically mapping the interface request parameter information based on the configuration file to obtain the routing parameter information.
  7. 7. A transaction device, the transaction device comprising: The detection module is used for determining transaction information corresponding to the transaction request when the transaction request of the user is detected; the determining module is used for determining a target routing channel according to the transaction information; and the transaction module is used for determining routing parameter information based on the target routing channel and completing the transaction corresponding to the transaction request based on the routing parameter information.
  8. 8. A transaction device, characterized in that the device comprises a memory, a processor and a computer program stored on the memory and executable on the processor, the computer program being configured to implement the steps of the transaction method according to any one of claims 1 to 6.
  9. 9. A storage medium, characterized in that the storage medium is a computer-readable storage medium, on which a computer program is stored, which computer program, when being executed by a processor, carries out the steps of the transaction method according to any of claims 1 to 6.
  10. 10. A computer program product, characterized in that it comprises a computer program which, when executed by a processor, implements the steps of the transaction method according to any of claims 1 to 6.

Description

Transaction method, device, equipment, storage medium and product Technical Field The present application relates to the field of data processing technologies, and in particular, to a transaction method, apparatus, device, storage medium, and product. Background The SIM card hard wallet enables the SIM card to have the function of digital RMB payment by associating the digital RMB soft wallet with the super SIM card. The product realizes the innovation of financial and communication crossing, can pay without electricity or network, promotes the digital RMB payment to be more convenient and has more friendly experience. However, the existing SIM card hard wallet generally only supports one operating mechanism and needs to be customized and developed, if a new operating mechanism is added, the user needs to separately customize and develop and dock, so that the payment flexibility of the user is poor and the user experience is not high. Disclosure of Invention The application mainly aims to provide a transaction method, a transaction device, a transaction equipment, a transaction storage medium and a transaction product, and aims to solve the technical problem that the use efficiency is low because independent custom development and butt joint are required when a new operation mechanism is added to an existing SIM card hard wallet. To achieve the above object, the present application provides a transaction method, including: when a transaction request of a user is detected, determining transaction information corresponding to the transaction request; Determining a target routing channel according to the transaction information; And determining routing parameter information based on the target routing channel, and completing the transaction corresponding to the transaction request based on the routing parameter information. Optionally, the step of determining a target routing channel according to the transaction information includes: Determining merchant information according to the transaction information; judging whether a customized routing channel exists in the transaction corresponding to the transaction information according to the merchant information; And if the transaction corresponding to the transaction information has a customized routing channel, the target routing channel is the customized routing channel. Optionally, after the step of determining whether the transaction corresponding to the transaction information has the customized routing channel according to the merchant information, the method further includes: if the transaction corresponding to the transaction information does not have a customized routing channel, acquiring general configuration information corresponding to the transaction information; screening the routing channels according to the wildcard information to obtain a routing channel list; and determining a target routing channel based on the routing channel list. Optionally, the step of determining the target routing channel based on the routing channel list includes: Determining the priority of each routing channel in the routing channel list; Determining a routing channel with the largest priority according to the priority; if more than one routing channel with the largest priority is provided, acquiring the operation mechanism information corresponding to the routing channel with the largest priority; And determining a target routing channel according to the operation mechanism information. Optionally, the step of determining the priority of each routing channel in the routing channel list includes: Determining operation mechanism information of operation mechanisms corresponding to each routing channel in the routing channel list; Determining target weight information and grading information of the operation mechanism according to the operation mechanism information; And determining the priority of the routing channel based on the target weight information and the scoring information. Optionally, the step of determining routing parameter information based on the target routing channel includes: determining interface request parameter information based on the target routing channel; determining a configuration file corresponding to the target routing channel; and dynamically mapping the interface request parameter information based on the configuration file to obtain the routing parameter information. In addition, in order to achieve the above object, the present application also proposes a transaction apparatus including: The detection module is used for determining transaction information corresponding to the transaction request when the transaction request of the user is detected; the determining module is used for determining a target routing channel according to the transaction information; and the transaction module is used for determining routing parameter information based on the target routing channel and completing the transaction corresponding to the transacti