CN112132674A - A transaction processing method and device - Google Patents

Abstract

The invention discloses a transaction processing method and device, and relates to the technical field of computers. A specific implementation of the method includes receiving a transaction request, identifying the type of the transaction request, and invoking a corresponding transaction engine; acquiring a balance distribution model corresponding to the type, and constructing a master account based on the current balance of the account for the transaction request. and multiple sub-accounts to distribute the current balance to the main account and each sub-account; according to the preset data processing model corresponding to the type, perform transaction processing on the main account and each sub-account to output the processing result. Therefore, the embodiments of the present invention can solve the problems that the existing account system cannot meet actual transaction demands and the security of funds is poor.

Description

A transaction processing method and device

technical field

The present invention relates to the field of computer technology, and in particular, to a transaction processing method and device.

Background technique

The core of the financial system is payment and settlement, and the basis of payment and settlement is the account system. Especially for some corporate and institutional-level accounts, the account system is characterized by large transaction volume, many concurrent transactions, and large transaction amount, and hot account problems are prominent.

In the process of realizing the present invention, the inventor found that there are at least the following problems in the prior art:

At present, the transaction processing volume of the existing account system is small and cannot meet the actual transaction needs. Moreover, the security of funds is poor, and the security risks are great.

SUMMARY OF THE INVENTION

In view of this, the embodiments of the present invention provide a transaction processing method and device, which can solve the problems that the existing account system cannot meet actual transaction requirements and the security of funds is poor.

In order to achieve the above object, according to an aspect of the embodiments of the present invention, a transaction processing method is provided, which includes receiving a transaction request, identifying the type of the transaction request, and invoking a corresponding transaction engine; and obtaining a balance distribution model corresponding to the type. , based on the current balance of the account requested by the transaction, construct a main account and multiple sub-accounts to distribute the current balance to the main account and each sub-account; according to the preset data processing model corresponding to the type, the main account and each sub-account are The account performs transaction processing to output the processing result.

Optionally, after obtaining the balance distribution model corresponding to the type, and based on the current balance of the account requested by the transaction, after constructing a main account and multiple sub-accounts to distribute the current balance to the main account and each sub-account, including:

According to a preset period, the current balance of the main account is asynchronously transferred to each sub-account to adjust the balance ratio between the current main account and each sub-account, thereby satisfying the distribution ratio included in the balance distribution model.

Optionally, also include:

Obtain the current balance of the master account, determine whether the current balance is less than the preset minimum master account balance threshold, and if so, generate a message that the dialing failed, and if not, asynchronously dial the current balance of the master account to each sub-account.

Optionally, after receiving the transaction request, it includes:

Identifying that the type of the transaction request is an incoming transaction, then calling the incoming transaction engine;

Obtain the balance distribution model of the incoming transaction, and build the main account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the main account and each sub-account;

According to the preset data processing model of incoming transactions, obtain the sub-account with the smallest current balance for accounting processing, so as to obtain the processing result and output it.

Optionally, after obtaining the sub-account with the least current balance and performing accounting processing, it includes:

Obtain the balance data of the sub-account after accounting processing;

Based on the distribution ratio included in the balance distribution model, determining that the proportion of the balance data of the sub-account exceeds the distribution ratio;

The balance data that exceeds the portion of the distribution ratio is extracted to be aggregated to the master account.

Optionally, after receiving the transaction request, it includes:

Identifying that the type of the transaction request is a debit transaction, then calling the debit transaction engine;

Obtain the balance distribution model of the debit transaction, and build the main account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the main account and each sub-account;

According to the preset data processing model of the debit transaction, generate a list of sub-accounts whose balance is greater than or equal to the transaction data; determine whether the sub-account list is empty, if so, perform transaction processing on the main account to output the processing result; if not Extracting the sub-account with the largest balance in the sub-account list to perform transaction processing, so as to output the processing result.

Optionally, perform transaction processing on the master account, including:

Obtain the status information of the main account, and determine whether the status information is locked;

If so, lock the sub-accounts in order according to the balance from large to small to meet the transaction data; otherwise, lock the main account first and then lock the sub-accounts in order according to the balance from large to small to meet the transaction data.

In addition, the present invention also provides a transaction processing device, comprising a receiving module for receiving a transaction request, identifying the type of the transaction request, and calling a corresponding transaction engine; a processing module for obtaining the balance distribution corresponding to the type model, based on the current balance of the account requested by the transaction, construct a main account and multiple sub-accounts to distribute the current balance to the main account and each sub-account; according to the preset data processing model corresponding to the type, the main account and each sub-account are The sub-account executes transaction processing to output the processing result.

An embodiment of the above invention has the following advantages or beneficial effects: the present invention dynamically sets up multiple virtual sub-accounts according to business characteristics, and the sub-accounts coordinate and cooperate to support transaction requests of different quota categories, so as to complete business functions and effectively improve the account system. Concurrency and response speed. Select the appropriate sub-account as the operating account in the bookkeeping and query transactions to complete the bookkeeping function and avoid the performance impact caused by hot accounts.

Further effects of the above non-conventional alternatives will be described below in conjunction with specific embodiments.

Description of drawings

The accompanying drawings are used for better understanding of the present invention and do not constitute an improper limitation of the present invention. in:

FIG. 1 is a schematic diagram of the main flow of the transaction processing method according to the first embodiment of the present invention;

FIG. 2 is a schematic diagram of the main flow of a method for processing an incoming transaction according to an embodiment of the present invention;

3 is a schematic diagram of a main flow of a method for processing a debit transaction according to an embodiment of the present invention;

4 is a schematic diagram of main modules of a transaction processing apparatus according to an embodiment of the present invention;

5 is an exemplary system architecture diagram to which an embodiment of the present invention may be applied;

FIG. 6 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.

Detailed ways

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding and should be considered as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted from the following description for clarity and conciseness.

FIG. 1 is a schematic diagram of the main flow of a transaction processing method according to a first embodiment of the present invention. As shown in FIG. 1 , the transaction processing method includes:

Step S101: Receive a transaction request, identify the type of the transaction request, and invoke a corresponding transaction engine.

In some embodiments, it can be identified that the type of the transaction request is a credit transaction or a debit transaction, and then the credit transaction engine or the debit transaction engine can be invoked.

Step S102: Obtain a balance allocation model corresponding to the type, and build a main account and multiple sub-accounts based on the current balance of the account requested by the transaction to allocate the current balance to the main account and each sub-account.

It can be seen that the present invention can dynamically set and adjust the balance distribution of the main account and sub-accounts and the number of sub-accounts of the account corresponding to the type of transaction through the corresponding balance distribution model for different transaction types. Thus, the security and stability of transaction processing are also guaranteed to a large extent.

It should be noted that although each transaction type and corresponding account are different, the number of sub-accounts set and the balance distribution ratio are different, but there are some consistent conditions for all transaction processing, especially for corporate or institutional-level contracts. Accounts, including: supporting a larger concurrent transaction volume as much as possible; ensuring sufficient sub-account balances as much as possible in daily transactions, reducing the collection and transfer between the main account and sub-accounts; transaction processing as little as possible.

Preferably, the balance of the account is distributed proportionally between the main account and the sub-accounts. The main account accounts for a large proportion, which mainly deals with large debit transactions, and the sub-account accounts for a small proportion, which is used for daily small-amount bookkeeping transactions. The proportion is configurable. parameter.

In some embodiments, after obtaining the balance allocation model corresponding to the type, and based on the current balance of the account requested by the transaction, constructing a main account and multiple sub-accounts to allocate the current balance to the main account and each sub-account, including: According to a preset period, the current balance of the main account is asynchronously transferred to each sub-account to adjust the balance ratio between the current main account and each sub-account, thereby satisfying the distribution ratio included in the balance distribution model.

Preferably, the present invention sets an asynchronous automatic task, and performs the balance transfer of the main account every fixed time interval (ie, according to a preset period), and fills the balance of the sub-account to the set balance ratio. Among them, if the balance of the master account is zero, no further allocation will be made.

In a further embodiment, the current balance of the main account is obtained, and it is judged whether the current balance is less than the preset minimum main account balance threshold, and if so, a message that the dialing fails is generated, and if otherwise, the current balance of the main account is asynchronously dialed down to each account. sub-account.

It is worth noting that, if it is identified that the type of the transaction request is an incoming transaction, the balance distribution model of the incoming transaction is obtained when step S102 is executed, and a main account and a plurality of sub-accounts are constructed based on the current balance of the account of the transaction request. Allocate the current balance to the main account and each sub-account. If it is identified that the type of the transaction request is a debit transaction, a balance allocation model of the debit transaction is obtained when step S102 is executed, and based on the current balance of the account requested by the transaction, a main account and a plurality of sub-accounts are constructed to allocate the current balance Assigned to the master account and each sub-account.

Step S103, according to the preset data processing model corresponding to the type, perform transaction processing on the main account and each sub-account to output the processing result.

In some embodiments, if it is identified that the type of the transaction request is an incoming transaction, then when step S103 is executed, the sub-account with the least current balance can be obtained according to the preset data processing model of the incoming transaction for accounting processing, so as to obtain the processing result and output.

It should be noted that, after obtaining the sub-account with the smallest current balance and performing the accounting process, the balance data of the sub-account after the accounting process can be obtained. Then, based on the distribution ratio included in the balance distribution model, it is determined that the proportion of the balance data of the sub-account exceeds the distribution ratio. The balance data that exceeds the portion of the distribution ratio is extracted to be aggregated to the master account.

Preferably, for the incoming transaction, select the available sub-account with the least balance for bookkeeping, and if the balance of the available sub-account exceeds the set ratio after entering the account, the excess part is collected to the main account. That is to say, before performing the accounting process on the sub-account with the smallest balance, first determine whether the status information of the sub-account is locked, if so, select the sub-account with the next smallest balance to continue the judgment, and repeat the foregoing process until it is unlocked. The sub-account has the smallest balance; otherwise, the sub-account will be billed.

In some embodiments, if it is identified that the type of the transaction request is a debit transaction, when step S103 is executed, a sub-account list with a balance greater than or equal to the transaction data may be generated according to a preset data processing model of the debit transaction; determine Whether the sub-account list is empty, if so, perform transaction processing on the main account to output the processing result; if otherwise, extract the sub-account with the largest balance in the sub-account list to perform transaction processing to output the processing result.

That is to say, if the list of sub-accounts whose balance is greater than or equal to the transaction data is not empty (for example, small deductions during the day, there are sub-accounts with sufficient balance to deduct), sort by the balance, and take the sub-account with the largest balance as a record. Account processing (that is, debit processing), so that the balance of each sub-account is relatively average. Or select the sub-account whose balance is greater than or equal to the debit amount and is closest to the debit amount to deduct the debit. After the sub-account is deducted, the balance is close to zero, thereby reducing the concurrency of the system. In the case where the list of sub-accounts whose balance is greater than or equal to the transaction data is empty (for example, there is no sub-account with sufficient balance for non-small deductions during the day), this scenario attempts to debit directly from the main account. Among them, all sub-accounts in the sub-account list are available, that is, the status information is unlocked.

It is worth noting that, if the type of the transaction request is identified as a debit transaction, before step S103 is performed, first calculate whether the current total balance of the account is greater than or equal to the transaction amount, and if so, perform step S103, if not. It indicates that the total balance of the account is insufficient, the transaction fails, and a transaction failure message is output.

In a further embodiment, when the transaction processing is performed on the main account, the status information of the main account can be obtained to determine whether the status information is locked; data; otherwise, lock the main account first and then lock the sub-accounts in descending order of the balance to satisfy the transaction data.

Preferably, if the main account is not locked and the balance is sufficient, the main account is debited directly. If the main account is not locked and the balance of the main account is not enough, lock the main account first, and then gradually lock the balance of the available sub-accounts (that is, the sub-accounts whose status information is unlocked) (locked according to the balance from large to small), until the balance is reached. until the transaction data is sufficient (that is, the transaction data is satisfied). If the balance of locked all available sub-accounts is not enough to debit, the output system is busy.

If the main account is trading, that is, the status information is locked, the balance of the available sub-accounts (that is, the sub-accounts whose status information is unlocked) will be gradually locked (locked according to the balance from large to small) until the transaction data is collected (that is, the transaction is satisfied. data). If the balance of locked all available sub-accounts is not enough to debit, the output system is busy.

As some embodiments of the present invention, if the transaction request is an incoming transaction, as shown in FIG. 2 , the specific implementation process is as follows:

Step S201: Receive a transaction request, identify the type of the transaction request as an entry transaction, and call an entry transaction engine.

Step S202, obtaining a balance distribution model of the incoming transaction, and building a master account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the master account and each sub-account.

Step S203 , according to the preset data processing model of the incoming transaction, obtain the sub-account with the smallest current balance for accounting processing.

Step S204: Obtain the balance data of the sub-account after the accounting process.

Step S205, based on the distribution ratio included in the balance distribution model, determine that the proportion of the balance data of the sub-account exceeds the distribution ratio.

Step S206, extracting the balance data that exceeds the distribution ratio to be collected into the master account.

In step S207, the processing result of the incoming transaction is obtained and output.

As some embodiments, if the transaction request is a debit transaction, as shown in Figure 3, the specific implementation process is as follows:

Step S301, identifying the type of the transaction request as a debit transaction, and calling a debit transaction engine.

Step S302, obtaining a balance allocation model of the debit transaction, and building a main account and multiple sub-accounts based on the current balance of the account requested by the transaction to allocate the current balance to the main account and each sub-account.

Step S303, according to the preset data processing model of the debit transaction, generate a list of sub-accounts whose balance is greater than or equal to the transaction data.

Step S304, it is judged whether the sub-account list is empty, if so, go to step S305, if not, go to step S308.

In step S305, the state information of the main account is acquired, and it is determined whether the state information is locked, if so, go to step S306, and if not, go to step S307.

In step S306, the sub-accounts are sequentially locked according to the descending order of the balance to satisfy the transaction data, and then the processing result is obtained and output.

Step S307, lock the main account first, and then lock the sub-accounts in descending order of the balance to satisfy the transaction data, and then obtain and output the processing result.

Step S308, extracting the sub-account with the largest balance in the sub-account list to perform transaction processing to obtain and output the processing result.

It is also worth mentioning that, as a preferred embodiment, when performing billing processing on the main account or the sub-account, it can be implemented through the following process:

Step 1: Determine whether the transaction is the first transaction of the day of the main account or sub-account, if so, go to Step 2, if not, go to Step 3.

Step 2: Update the previous day's balance data of the main account or sub-account to obtain the current balance data of the main account or sub-account, and go to Step 3.

Step 3: Determine whether the transaction direction of the transaction data is the same as the balance direction of the current balance data, if so, go to Step 4, if not, go to Step 5.

The transaction data includes transaction direction and transaction amount. Balance data includes balance direction and balance amount. The transaction direction and balance direction are the set direction marks of deduction and payment, and the direction of deduction is opposite to the direction of payment. For example, if the balance data is -200, it means that the balance amount is 200, and the amount direction is the negative direction, that is, the deduction direction.

Step 4: Calculate the sum of the balance amount and the transaction amount as the balance amount after the transaction, and the balance direction remains unchanged. Exit the process.

Step 5: Determine whether the balance amount is greater than the transaction amount, if so, go to Step 6, if not, go to Step 7.

Step 6: Use the result of subtracting the transaction amount from the balance amount as the balance amount after the transaction, and the balance direction remains unchanged. Exit the process.

Step 7: The result of subtracting the transaction amount from the balance amount is taken as the balance amount after the transaction, and the direction of the balance is reversed. Exit the process.

FIG. 4 is a schematic diagram of main modules of a transaction processing apparatus according to an embodiment of the present invention. As shown in FIG. 4 , the transaction processing apparatus 400 includes a receiving module 401 and a processing module 402 . The receiving module 401 receives the transaction request, identifies the type of the transaction request, and invokes the corresponding transaction engine; the processing module 402 acquires the balance distribution model corresponding to the type, and constructs a master account based on the current balance of the account of the transaction request. and multiple sub-accounts to distribute the current balance to the main account and each sub-account; according to the preset data processing model corresponding to the type, perform transaction processing on the main account and each sub-account to output the processing result.

In some embodiments, the processing module 402 obtains a balance allocation model corresponding to the type, and based on the current balance of the account requested by the transaction, constructs a main account and multiple sub-accounts to allocate the current balance to the main account and each sub-account. ,include:

According to a preset period, the current balance of the main account is asynchronously transferred to each sub-account to adjust the balance ratio between the current main account and each sub-account, thereby satisfying the distribution ratio included in the balance distribution model.

In some embodiments, the processing module 402 is further configured to:

Obtain the current balance of the master account, determine whether the current balance is less than the preset minimum master account balance threshold, and if so, generate a message that the dialing failed, and if not, asynchronously dial the current balance of the master account to each sub-account.

In some embodiments, after receiving the transaction request, the receiving module 401 includes: identifying the type of the transaction request as an incoming transaction, and then calling an incoming transaction engine;

The processing module 402 obtains the balance distribution model of the incoming transaction, and builds a main account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the main account and each sub-account; processing according to the preset data of incoming transactions Model, obtain the sub-account with the least current balance for accounting processing, to obtain the processing result and output.

In some embodiments, after the processing module 402 obtains the sub-account with the smallest current balance and performs accounting processing, it includes:

Obtain the balance data of the sub-account after accounting processing;

Based on the distribution ratio included in the balance distribution model, determining that the proportion of the balance data of the sub-account exceeds the distribution ratio;

The balance data that exceeds the portion of the distribution ratio is extracted to be aggregated to the master account.

In some embodiments, after receiving the transaction request, the receiving module 401 includes: identifying the type of the transaction request as a debit transaction, and then invoking the debit transaction engine;

The processing module 402 obtains the balance distribution model of the debit transaction, and builds a main account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the main account and each sub-account; according to the preset of the debit transaction Data processing model, generating a list of sub-accounts whose balance is greater than or equal to the transaction data; judging whether the list of sub-accounts is empty, if so, execute transaction processing on the main account to output the processing results; if not, extract the list of sub-accounts The sub-account with the largest balance executes transaction processing to output the processing result.

In some embodiments, the processing module 402 performs transaction processing on the master account, including:

Obtain the status information of the main account, and determine whether the status information is locked;

If so, lock the sub-accounts in order according to the balance from large to small to meet the transaction data; otherwise, lock the main account first and then lock the sub-accounts in order according to the balance from large to small to meet the transaction data.

It should be noted that the transaction processing method and the transaction processing device of the present invention have a corresponding relationship in the specific implementation content, so the repeated content will not be described again.

FIG. 5 shows an exemplary system architecture 500 to which a transaction processing method or a transaction processing apparatus according to an embodiment of the present invention may be applied.

As shown in FIG. 5 , the system architecture 500 may include terminal devices 501 , 502 , and 503 , a network 504 and a server 505 . The network 504 is a medium used to provide a communication link between the terminal devices 501 , 502 , 503 and the server 505 . Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user can use the terminal devices 501, 502, 503 to interact with the server 505 through the network 504 to receive or send messages and the like. Various communication client applications may be installed on the terminal devices 501 , 502 and 503 , such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

The terminal devices 501, 502, 503 may be various electronic devices having transaction processing screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

The server 505 may be a server that provides various services, for example, a background management server that provides support for shopping websites browsed by the terminal devices 501 , 502 , and 503 (just an example). The background management server can analyze and process the received product information query request and other data, and feed back the processing results (such as target push information, product information—just an example) to the terminal device.

It should be noted that, the transaction processing method provided by the embodiment of the present invention is generally executed by the server 405 , and accordingly, the computing device is generally set in the server 505 .

It should be understood that the numbers of terminal devices, networks and servers in FIG. 5 are only illustrative. There can be any number of terminal devices, networks and servers according to implementation needs.

Referring to FIG. 6 below, it shows a schematic structural diagram of a computer system 600 suitable for implementing a terminal device according to an embodiment of the present invention. The terminal device shown in FIG. 6 is only an example, and should not impose any limitations on the functions and scope of use of the embodiments of the present invention.

As shown in FIG. 6, a computer system 600 includes a central processing unit (CPU) 601, which can be loaded into a random access memory (RAM) 603 according to a program stored in a read only memory (ROM) 602 or a program from a storage section 608 Instead, various appropriate actions and processes are performed. In the RAM 603, various programs and data necessary for the operation of the computer system 600 are also stored. The CPU 601 , the ROM 602 and the RAM 603 are connected to each other through a bus 604 . An input/output (I/O) interface 605 is also connected to bus 604 .

The following components are connected to the I/O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal transaction processor (LCD), etc., and a speaker, etc.; a storage section including a hard disk, etc. part 608; and a communication part 609 including a network interface card such as a LAN card, a modem, and the like. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I/O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on the drive 610 as needed so that a computer program read therefrom is installed into the storage section 608 as needed.

In particular, the processes described above with reference to the flowcharts may be implemented as computer software programs in accordance with the disclosed embodiments of the present invention. For example, embodiments disclosed herein include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the method illustrated in the flowchart. In such an embodiment, the computer program may be downloaded and installed from the network via the communication portion 609 and/or installed from the removable medium 611 . When the computer program is executed by the central processing unit (CPU) 601, the above-described functions defined in the system of the present invention are executed.

It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium, or any combination of the above two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples of computer readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Programmable read only memory (EPROM or flash memory), fiber optics, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing. In the present invention, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, however, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code therein. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device . Program code embodied on a computer readable medium may be transmitted using any suitable medium including, but not limited to, wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code that contains one or more logical functions for implementing the specified functions executable instructions. It should also be noted that, in some alternative implementations, the functions noted in the blocks may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It is also noted that each block of the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations, can be implemented in special purpose hardware-based systems that perform the specified functions or operations, or can be implemented using A combination of dedicated hardware and computer instructions is implemented.

The modules involved in the embodiments of the present invention may be implemented in a software manner, and may also be implemented in a hardware manner. The described modules can also be provided in the processor, for example, it can be described as: a processor includes a receiving module and a processing module. Among them, the names of these modules do not constitute a limitation on the module itself under certain circumstances.

As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or may exist alone without being assembled into the device. The above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by a device, the device includes receiving a transaction request, identifying the type of the transaction request, and calling the corresponding transaction engine; The balance distribution model corresponding to the type, based on the current balance of the account requested by the transaction, constructs a main account and multiple sub-accounts to distribute the current balance to the main account and each sub-account; processing according to the preset data corresponding to the type The model executes transaction processing on the main account and each sub-account to output the processing results.

According to the technical solutions of the embodiments of the present invention, the problems that the existing account system cannot meet the actual transaction requirements and the fund security is poor can be solved.

The above-mentioned specific embodiments do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. A transaction processing method, comprising: Receive a transaction request, identify the type of the transaction request, and call the corresponding transaction engine; Obtain the balance distribution model corresponding to the type, and build a main account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the main account and each sub-account; According to the preset data processing model corresponding to the type, transaction processing is performed on the main account and each sub-account to output the processing result. 2. The method according to claim 1, wherein a balance distribution model corresponding to the type is obtained, and based on the current balance of the account of the transaction request, a main account and a plurality of sub-accounts are constructed to distribute the current balance to the main account. After the account and each sub-account, including: According to a preset period, the current balance of the main account is asynchronously transferred to each sub-account to adjust the balance ratio between the current main account and each sub-account, thereby satisfying the distribution ratio included in the balance distribution model. 3. The method of claim 2, further comprising: Obtain the current balance of the master account, determine whether the current balance is less than the preset minimum master account balance threshold, and if so, generate a message that the dialing failed, and if not, asynchronously dial the current balance of the master account to each sub-account. 4. The method according to claim 1, wherein after receiving the transaction request, the method comprises: Identifying that the type of the transaction request is an incoming transaction, then calling the incoming transaction engine; Obtain the balance distribution model of the incoming transaction, and build the main account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the main account and each sub-account; According to the preset data processing model of incoming transactions, obtain the sub-account with the smallest current balance for accounting processing, so as to obtain the processing result and output it. 5. The method according to claim 4, characterized in that, after obtaining the sub-account with the least current balance and performing accounting processing, the method comprises: Obtain the balance data of the sub-account after accounting processing; Based on the distribution ratio included in the balance distribution model, determining that the proportion of the balance data of the sub-account exceeds the distribution ratio; The balance data that exceeds the portion of the distribution ratio is extracted to be aggregated to the master account. 6. The method according to claim 1, wherein after receiving the transaction request, the method comprises: Identifying that the type of the transaction request is a debit transaction, then calling the debit transaction engine; Obtain the balance distribution model of the debit transaction, and build the main account and multiple sub-accounts based on the current balance of the account requested by the transaction to distribute the current balance to the main account and each sub-account; According to the preset data processing model of the debit transaction, generate a list of sub-accounts whose balance is greater than or equal to the transaction data; determine whether the sub-account list is empty, if so, perform transaction processing on the main account to output the processing result; if not Extracting the sub-account with the largest balance in the sub-account list to perform transaction processing, so as to output the processing result. 7. The method of claim 6, wherein performing transaction processing on the primary account comprises: Obtain the status information of the main account, and determine whether the status information is locked; If so, lock the sub-accounts in order according to the balance from large to small to meet the transaction data; otherwise, lock the main account first and then lock the sub-accounts in order according to the balance from large to small to meet the transaction data. 8. A transaction processing device, comprising: a receiving module, used for receiving a transaction request, identifying the type of the transaction request, and calling a corresponding transaction engine; a processing module, configured to obtain a balance distribution model corresponding to the type, and based on the current balance of the account requested by the transaction, construct a main account and multiple sub-accounts to distribute the current balance to the main account and each sub-account; according to the type The corresponding preset data processing model performs transaction processing on the main account and each sub-account to output the processing results. 9. An electronic device, characterized in that, comprising: one or more processors; storage means for storing one or more programs, The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-7. 10. A computer-readable medium on which a computer program is stored, characterized in that, when the program is executed by a processor, the method according to any one of claims 1-7 is implemented.

Images