CN111563816B - System and method for separating accounts and messages under bank cross-bank payment service - Google Patents
System and method for separating accounts and messages under bank cross-bank payment service Download PDFInfo
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
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- H04L67/568—Storing data temporarily at an intermediate stage, e.g. caching
Abstract
The invention provides a system and a method for separating accounts from messages under a bank cross-bank payment service, wherein the system comprises the following steps: the payment request acquisition module is used for acquiring a cross-line payment request; a first stage accounting distributed processor for deducting funds of the customer account to the distributed temporary account; the request generation module is used for generating a payment preparation account billing request and a payment message processing request after the distributed temporary account billing is successful; the request separation module is used for sending the account-keeping request of the prepared payment account to the account-keeping request buffer pool of the prepared payment account and sending the payment message processing request to the payment message processing request buffer pool; the accounting request monitoring module is used for calling the second-stage accounting processor to sequentially and serially perform accounting processing of the prepared payment account when the prepared payment account checking request is found; and the message request monitoring module is used for calling the message processing module to process the payment message when the payment message processing request is found.
Description
Technical Field
The invention relates to the technical field of cross-bank payment, in particular to a system and a method for separating accounts and messages under a bank cross-bank payment service.
Background
At present, in order to improve response efficiency and customer experience in a bank online real-time payment system, a bank system is often designed to debit a customer account, credit a payment account, send a payment message, send a message after the account is in place, and realize real-time payment. Based on this way, as shown in fig. 5, each commercial bank needs to open a prepared payment account at the people's bank headquarters, and the money clearing is uniformly carried out through one point of the people's headquarters, so that the management is simplified, the use efficiency of the prepared payment money is greatly improved, and the 'one point clearing' mode is realized in the RMB payment system.
However, this approach presents the following problems in implementation:
1. the "clearing" results in that all payment services credit the prepared payment account, creating a resource bottleneck, the prepared payment account is deducted and the payment message is generated and sent in close coupling, so that the accounting and the message processing are in serial relationship and form a strong dependence.
2. In large concurrency situations, the credit payment account may be slow to process, time out and even malfunction may result in a failure of the entire transaction, at which time both the customer account deduction and the message processing component may be operating properly. This results in internal problems and faults affecting external clients and local problems affecting the global.
Therefore, there is a need for a solution for processing accounts and messages under a bank cross-bank payment service that can overcome the above-mentioned problems.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides a system and a method for separating accounts and messages under a bank cross-bank payment service. The system and the method solve the problems in the current cross-line payment by adopting an accounting distributed two-stage submitting mode and an accounting message separating mode, decouple the account deduction and the payment message generation and transmission of the prepared payment account, separate the accounting processing request from the message processing request by adopting an accounting message separating mode, realize the independent parallel separation processing of the prepared payment account accounting and the payment message generation and transmission by adopting two independent request buffer pools and corresponding interception processing processes, and greatly improve the processing capacity and the response speed of the system under the normal operation of the accounting processing.
In order to solve the technical problems, the application provides the following technical scheme:
in a first aspect, the present application provides a system for separating accounts and messages under a bank cross-bank payment service, where the system includes:
the payment request acquisition module is used for acquiring a cross-line payment request;
A first stage accounting distributed processor, configured to match a customer account in the cross-line payment request with a distributed temporary account, and deduct funds of the customer account to the distributed temporary account;
the request generation module is used for generating a payment preparation account billing request and a payment message processing request after the distributed temporary account billing is successful;
the request separation module is used for sending the account-keeping request of the prepared payment account to the account-keeping request buffer pool of the prepared payment account according to the generated request type, and sending the payment message processing request to the payment message processing request buffer pool;
the accounting request monitoring module is used for scanning the account-checking request buffer pool of the prepared payment account, and when the account-checking request of the prepared payment account is found, the second-stage accounting processor is called to sequentially and serially perform accounting processing of the prepared payment account;
and the message request monitoring module is used for scanning the payment message processing request buffer pool, and when the payment message processing request is found, the message processing module is called to process the payment message.
Further, the number of the distributed temporary accounts is set according to the traffic, and the distributed temporary accounts are distributed in different databases or are placed in a distributed cache, and are grouped according to regions or traffic types.
Further, the accounting request monitoring module is specifically configured to:
scanning the payment request buffer pool of the payment account by using a queue monitoring serial processing process, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment request of the payment account is found;
the second-stage accounting processor is specifically configured to:
and sequentially processing the account checking requests of the prepared payment accounts, and deducting funds of the corresponding distributed temporary accounts to the prepared payment accounts.
Further, the message request monitoring module is specifically configured to:
scanning the payment message processing request buffer pool by using a queue to monitor concurrent processing progress, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message;
the message processing module is specifically configured to:
and processing the payment account settling request in parallel, generating a message, and sending the message to a cross-line payment system.
In a second aspect, the present application provides a method for separating accounts and messages under a bank cross-bank payment service, where the method includes:
acquiring a cross-line payment request;
matching a customer account in the cross-line payment request with a distributed temporary account by using a first-stage accounting distributed processor, and deducting funds of the customer account to the distributed temporary account;
After the account deduction of the distributed temporary account is successful, generating a payment preparation account posting request and a payment message processing request;
according to the generated request type, sending the account-checking request of the prepared payment account to an account-checking request buffer pool of the prepared payment account, and sending a payment message processing request to a payment message processing request buffer pool;
scanning the payment account checking request buffer pool, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment account checking request is found;
and scanning the payment message processing request buffer pool, and when the payment message processing request is found, calling a message processing module to process the payment message.
Further, the number of the distributed temporary accounts is set according to the traffic, and the distributed temporary accounts are distributed in different databases or are placed in a distributed cache, and are grouped according to regions or traffic types.
Further, scanning the buffer pool of the payment account billing request, and when the payment account billing request is found, calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account, and further comprising:
And scanning the account-filling request buffer pool of the prepared payment account by using a queue monitoring serial processing process, and calling a second-stage accounting processor to sequentially and serially process the accounting processing of the prepared payment account when the account-filling request of the prepared payment account is found, so as to deduct funds of the corresponding distributed temporary account to the prepared payment account.
Further, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message, and further comprising:
and monitoring concurrent processing processes by using a queue, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module, processing the payment account preparation and account entry request by the message processing module in parallel, generating a message, and sending the message to a cross-row payment system.
In a third aspect, the present application provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements a method for separating accounts from messages under a bank cross-bank payment service when the computer program is executed.
In a fourth aspect, the present application provides a computer readable storage medium storing a computer program which when executed by a processor implements a method for separating accounts from messages under a bank cross-bank payment service.
As can be seen from the above technical solution, the system and method for separating accounts from messages under a bank cross-bank payment service provided by the present application include: acquiring a cross-line payment request; matching a customer account in the cross-line payment request with a distributed temporary account by using a first-stage accounting distributed processor, and deducting funds of the customer account to the distributed temporary account; after the account deduction of the distributed temporary account is successful, generating a payment preparation account posting request and a payment message processing request; according to the generated request type, sending the account-checking request of the prepared payment account to an account-checking request buffer pool of the prepared payment account, and sending a payment message processing request to a payment message processing request buffer pool; scanning the payment account checking request buffer pool, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment account checking request is found; the technical scheme overcomes the bottleneck of single account posting performance and the restriction of serial posting on message processing in the current cross-line payment, and the problem of tight coupling of internal transactions of banks and external transactions of clients, so that the message processing and the accounting processing are separated, the account processing and the concurrent message processing must be understood and coupled in series, and the system processing capacity and the response speed are greatly improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic diagram of an accounting and message separation system architecture under a bank cross-bank payment service according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of a relationship between accounting and message separation system under a bank cross-bank payment service for cross-bank payment request processing according to an embodiment of the present invention.
Fig. 3 is a flow chart of an accounting and message separation method under a bank cross-bank payment service according to an embodiment of the invention.
Fig. 4 is a schematic structural diagram of an electronic device in an embodiment of the present application.
Fig. 5 is a schematic diagram of online payment accounting and message processing in a clearing mode in the prior art.
Detailed Description
The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are presented merely to enable those skilled in the art to better understand and practice the invention and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
Those skilled in the art will appreciate that embodiments of the invention may be implemented as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the following forms, namely: complete hardware, complete software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, a system, a method, electronic equipment and a computer readable storage medium for separating accounts and messages under a bank cross-bank payment service are provided, and a cross-bank payment request is acquired; matching a customer account in the cross-line payment request with a distributed temporary account by using a first-stage accounting distributed processor, and deducting funds of the customer account to the distributed temporary account; after the account deduction of the distributed temporary account is successful, generating a payment preparation account posting request and a payment message processing request; according to the generated request type, sending the account-checking request of the prepared payment account to an account-checking request buffer pool of the prepared payment account, and sending a payment message processing request to a payment message processing request buffer pool; scanning the payment account checking request buffer pool, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment account checking request is found; the technical scheme overcomes the bottleneck of single account posting performance and the restriction of serial posting on message processing in the current cross-line payment, and the problem of tight coupling of internal transactions of banks and external transactions of clients, so that the message processing and the accounting processing are separated, the account processing and the concurrent message processing must be understood and coupled in series, and the system processing capacity and the response speed are greatly improved.
In the embodiments of the present invention, terms to be described are as follows:
preparing a payment account: in order to prevent financial risks caused by overdrawing of commercial banks in the process of cross-bank payment, the clearing organization of people's banks as the cross-bank payment requires that each commercial bank must make a payment account in advance on a person and pre-store a certain amount of money to prevent overdrawing risks of the commercial banks.
Payment message: and referring to international iso system standard, the system is used for transferring payment instructions, financial data and management information between commercial banks and people.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments thereof.
In order to separate message processing and accounting processing, and enable serial accounting processing and concurrent message understanding to be coupled, system processing capacity and response speed are greatly improved, the application provides a system for separating accounts and messages under a bank cross-bank payment service, and referring to fig. 1, the system for separating accounts and messages under the bank cross-bank payment service specifically comprises the following contents:
a payment request acquisition module 101, configured to acquire a cross-line payment request.
A first stage accounting distributed processor 102, configured to match a customer account in the cross-line payment request with a distributed temporary account, and deduct funds of the customer account to the distributed temporary account;
in one or more embodiments of the present application, the number of distributed temporary accounts is set according to the traffic, and is distributed in different databases or placed in a distributed cache, and grouped according to regions or traffic types.
The request generation module 103 is configured to generate a payment account settlement request and a payment message processing request after the distributed temporary account settlement is successful.
The request separation module 104 is configured to send the payment account accounting request to the payment account accounting request buffer pool according to the generated request type, and send the payment message processing request to the payment message processing request buffer pool.
And the accounting request monitoring module 105 is configured to scan the backup account posting request buffer pool, and when the backup account posting request is found, call the second-stage accounting processor 106 to sequentially and serially perform accounting processing of the backup account.
The message request monitoring module 107 is configured to scan the payment message processing request buffer pool, and when the payment message processing request is found, concurrently call the message processing module 108 to process the payment message.
In one or more embodiments of the present application, the accounting request monitoring module 105 is specifically configured to:
scanning the payment account reservation request buffer pool by using a queue monitoring serial processing process, and calling a second-stage accounting processor 106 to sequentially and serially perform accounting processing of the payment accounts when the payment account reservation request is found;
the second stage accounting processor 106 is specifically configured to:
and sequentially processing the account checking requests of the prepared payment accounts, and deducting funds of the corresponding distributed temporary accounts to the prepared payment accounts.
In one or more embodiments of the present application, the message request monitoring module 107 is specifically configured to:
and scanning the payment message processing request buffer pool by using a queue to monitor the concurrent processing process, and when the payment message processing request is found, concurrently calling a message processing module 108 to process the payment message.
The message processing module 108 is specifically configured to:
and processing the payment account settling request in parallel, generating a message, and sending the message to a cross-line payment system.
It should be noted that while in the above detailed description, several modules of a system for separating accounts and messages under a bank cross-bank payment service are mentioned, this division is merely exemplary and not mandatory. Indeed, the features and functions of two or more modules described above may be embodied in one module in accordance with embodiments of the present invention. Conversely, the features and functions of one module described above may be further divided into a plurality of modules to be embodied.
For a clearer explanation of the system for separating accounts from messages under the bank cross-bank payment service, a specific embodiment is described below, however, it should be noted that this embodiment is only for better explaining the present invention, and does not constitute an undue limitation of the present invention.
Referring to fig. 2, a relationship diagram of a transaction processing system for performing a transaction payment request by using an accounting and message separation system under a bank transaction payment service according to an embodiment of the present invention is shown.
As shown in fig. 2, first, a request 200 for cross-line payment is initiated, and the request is invoked through an external interface, so that the request for cross-line payment 200 enters a first-stage accounting distributed processor 210, in this link, a set of distributed temporary accounts (credits) is set, and each customer account (debit) can be respectively matched to one distributed temporary account;
for example, customer account 1, customer account 2, customer account 3 are matched with distributed temporary account 1;
the client account 4 and the client account 5 are matched with the distributed temporary account 2;
customer accounts 6, 7 are matched with distributed temporary accounts 3.
In one or more embodiments of the present application, the number of distributed temporary accounts is not limited to 3, but is merely illustrative, and the specific number may be increased or decreased by setting parameters, for example, the traffic may be increased if larger, or may be set up in groups according to dimensions such as regions, traffic types, etc., and may be distributed in different databases according to the traffic, or may even be placed in a distributed cache to increase concurrency and processing speed.
The invention divides the accounting logic of the debit customer account credit payment account into two stages of processing; in the first stage, the processing logic in the accounting distributed processor 210 is the first stage, firstly deducting the funds of the customer account to the distributed temporary account, on one hand, once the deduction is successful, the funds safety of the payment service is ensured, and the guarantee is provided for directly generating and sending the payment message for the next step and remitting the funds to the collection line. On the other hand, because the distributed temporary accounts can be arranged in a plurality, the performance bottleneck of single account posting is relieved.
After successful deduction, two requests may be generated, one being a request for preparing a payment account for a posting and the other being a request for payment message processing.
With further reference to fig. 2, the accounting message separator 220 is mainly composed of two queue buffer pools, one is a prepared payment account posting request buffer pool 221 and the other is a payment message processing request buffer pool 222.
The generated account checking request of the prepared payment account and the payment message processing request enter a buffer pool 221 of the account checking request of the prepared payment account and a buffer pool 222 of the payment message processing request respectively after the request types are identified;
Through the two independent buffer pools and the corresponding interception processing process, separate processing of preparing payment account accounting and generating and sending payment messages independently and parallelly can be realized.
Specifically, two monitoring processes are respectively designed to extract and process the requests in the buffer pools corresponding to the two buffer pools.
For the payment account billing request buffer pool 221, a queue monitoring serial processing process 223 may be utilized to scan the payment account billing request buffer pool, and when the payment account billing request is found, the second stage accounting processor 230 is called to sequentially and serially perform the accounting processing of the payment account;
as shown in fig. 2, the distributed temporary account 1, the distributed temporary account 2, and the distributed temporary account 3 (all are debits), which in turn deduct corresponding funds to the prepared payment account (credits); here, serial processing is adopted to prepare the accounts of the payment accounts, so that the account requirements of the credit payment accounts are met, and the accounts must be sequentially checked in one by one to ensure the accuracy of the accounts.
For the payment message processing request buffer pool 222, a queue may be used to monitor the concurrent processing process, scan the payment message processing request buffer pool, and when the payment message processing request is found, the monitoring process invokes the message processing module 240 to perform the message generation and sending work according to the concurrency number, so as to achieve the effects of high concurrency and high performance. Wherein, the concurrency number can be adjusted by parameter setting.
In this embodiment, since the second-stage accounting processor 230 processes the accounting of the prepared payment account in series and the message processing module 240 processes the message in parallel, the request processing speed of the second-stage accounting processor 230 is much slower than that of the concurrent message sending, but because of the separation of the message and the accounting, the relatively slow and error-prone work is separated from the customer accounting and the fund transfer of the customer, and becomes the internal transaction asynchronous processing of the bank, which is not tightly coupled with the customer service any more, and the correctness of the processing result will not be affected.
Meanwhile, as the deduction is finished in the first stage in the aspect of accounting, in the situation, the concurrent message processing mode can greatly improve the processing capacity of the system, ensure the quick progress of customer business and avoid overdraft risks.
According to the system for separating accounts and messages under the bank cross-bank payment business, disclosed by the invention, one-step accounts of a lending client credit backup gold user are adjusted into two-stage processes of 'debit client account-credit distributed intermediate account' and 'debit distributed intermediate account-credit backup gold account', after the account deduction of an external client account in a first stage is successful, the message processing and the second-stage account processing are separated, the generation and the sending work of a payment message are carried out simultaneously, and meanwhile, the second-stage account processing is carried out serially; under the condition, even if the internal accounting of the second stage is problematic, the system can be recovered through a subsequent compensation mechanism, the fund risk can not occur, the normal transaction of the client can not be influenced, and meanwhile, the concurrency degree and the processing efficiency of the system are improved.
Having described the method of the exemplary embodiment of the present invention, next, a method of separating accounts and messages under the bank cross-bank payment service of the exemplary embodiment of the present invention will be described with reference to fig. 3.
As shown in fig. 3, the method for separating accounts and messages under the bank cross-bank payment service provided by the invention comprises the following steps:
step S100, acquiring a cross-line payment request;
step S200, matching a client account in the cross-line payment request with a distributed temporary account by using a first-stage accounting distributed processor, and deducting funds of the client account to the distributed temporary account;
step S300, after the account deduction of the distributed temporary account is successful, generating a payment preparation account entry request and a payment message processing request;
step S400, according to the generated request type, sending the account-for-reserve payment account billing request to a account-for-reserve payment account billing request buffer pool, and sending a payment message processing request to a payment message processing request buffer pool;
step S500, scanning the payment account billing request buffer pool, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment account billing request is found;
Step S600, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message.
In an embodiment, the number of the distributed temporary accounts is set according to the traffic, and the distributed temporary accounts are distributed in different databases or placed in a distributed cache, and are grouped according to regions or traffic types.
In one embodiment, the specific process of step S500 is as follows:
and scanning the account-filling request buffer pool of the prepared payment account by using a queue monitoring serial processing process, and calling a second-stage accounting processor to sequentially and serially process the accounting processing of the prepared payment account when the account-filling request of the prepared payment account is found, so as to deduct funds of the corresponding distributed temporary account to the prepared payment account.
In one embodiment, the specific process of step S600 is as follows:
and monitoring concurrent processing processes by using a queue, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module, processing the payment account preparation and account entry request by the message processing module in parallel, generating a message, and sending the message to a cross-row payment system.
In step S100 to step S600, by establishing a distributed mechanism of a plurality of intermediate temporary accounts, the one-step accounting of the lending client credit-back-up gold user is adjusted to be processed in two stages of "the lending client account-credit distributed intermediate account" and "the lending distributed intermediate account-credit back-up gold account", after the accounting of the external client account in the first stage is successfully deducted, the message processing and the second-stage accounting processing are separated, the generation and the sending of the payment message are concurrently performed, and meanwhile, the second-stage accounting processing is serially performed; under the condition, even if the internal accounting of the second stage is problematic, the system can be recovered through a subsequent compensation mechanism, the fund risk can not occur, the normal transaction of the client can not be influenced, and meanwhile, the concurrency degree and the processing efficiency of the system are improved.
It should be noted that although the operations of the method of the present invention are described in a particular order in the above embodiments and the accompanying drawings, this does not require or imply that the operations must be performed in the particular order or that all of the illustrated operations be performed in order to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform.
In order to separate the message processing and the accounting processing from each other in terms of hardware, so that serial accounting processing and concurrent message processing are understood and coupled, system processing capacity and response speed are greatly improved.
A processor (processor), a memory (memory), a communication interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete communication with each other through the bus; the communication interface is used for realizing information transmission between the electronic equipment and related equipment such as the user terminal, the related database and the like; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, etc., and the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to an embodiment of the system for separating accounts and messages under the bank cross-bank payment service in the embodiment and an embodiment of the method for separating accounts and messages under the bank cross-bank payment service, and the contents thereof are incorporated herein and are not repeated herein.
Fig. 4 is a schematic block diagram of a system configuration of an electronic device 9600 of an embodiment of the present application. As shown in fig. 4, the electronic device 9600 may include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 4 is exemplary; other types of structures may also be used in addition to or in place of the structures to implement telecommunications functions or other functions.
In an embodiment, the functions of separating accounts and messages under the bank's cross-bank payment service may be integrated into the central processor. Wherein the central processor may be configured to control:
step S100, acquiring a cross-line payment request;
step S200, matching a client account in the cross-line payment request with a distributed temporary account by using a first-stage accounting distributed processor, and deducting funds of the client account to the distributed temporary account;
step S300, after the account deduction of the distributed temporary account is successful, generating a payment preparation account entry request and a payment message processing request;
step S400, according to the generated request type, sending the account-for-reserve payment account billing request to a account-for-reserve payment account billing request buffer pool, and sending a payment message processing request to a payment message processing request buffer pool;
Step S500, scanning the payment account billing request buffer pool, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment account billing request is found;
step S600, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message.
In step S100 to step S600, by establishing a distributed mechanism of a plurality of intermediate temporary accounts, the one-step accounting of the lending client credit-back-up gold user is adjusted to be processed in two stages of "the lending client account-credit distributed intermediate account" and "the lending distributed intermediate account-credit back-up gold account", after the accounting of the external client account in the first stage is successfully deducted, the message processing and the second-stage accounting processing are separated, the generation and the sending of the payment message are concurrently performed, and meanwhile, the second-stage accounting processing is serially performed; under the condition, even if the internal accounting of the second stage is problematic, the system can be recovered through a subsequent compensation mechanism, the fund risk can not occur, the normal transaction of the client can not be influenced, and meanwhile, the concurrency degree and the processing efficiency of the system are improved.
As can be seen from the above description, the electronic device provided in the embodiment of the present application overcomes the limitation of single account billing performance bottleneck and serial billing on message processing in the present cross-line payment, solves the problem of tight coupling between internal transactions of banks and external transactions of clients, controls the consistency and integrity of accounts processed in two stages by using a message and account separation manner, improves billing concurrency and processing efficiency, effectively eliminates the problem of external client transactions caused by the backup gold account billing fault, avoids the internal problem from influencing the outside, and improves the user experience.
In another embodiment, the system for separating accounts and messages under the bank cross-bank payment service may be configured separately from the central processor 9100, for example, the system for separating accounts and messages under the bank cross-bank payment service may be configured as a chip connected to the central processor 9100, and the function of separating accounts and messages under the bank cross-bank payment service is realized under the control of the central processor.
As shown in fig. 4, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 need not include all of the components shown in fig. 4; in addition, the electronic device 9600 may further include components not shown in fig. 4, and reference may be made to the related art.
As shown in fig. 4, the central processor 9100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, which central processor 9100 receives inputs and controls the operation of the various components of the electronic device 9600.
The memory 9140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information about failure may be stored, and a program for executing the information may be stored. And the central processor 9100 can execute the program stored in the memory 9140 to realize information storage or processing, and the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, but not limited to, an LCD display.
The memory 9140 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), SIM card, etc. But also a memory which holds information even when powered down, can be selectively erased and provided with further data, an example of which is sometimes referred to as EPROM or the like. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 storing application programs and function programs or a flow for executing operations of the electronic device 9600 by the central processor 9100.
The memory 9140 may also include a data store 9143, the data store 9143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, address book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. A communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, as in the case of conventional mobile communication terminals.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, etc., may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and to receive audio input from the microphone 9132 to implement usual telecommunications functions. The audio processor 9130 can include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100 so that sound can be recorded locally through the microphone 9132 and sound stored locally can be played through the speaker 9131.
The embodiments of the present application further provide a computer readable storage medium capable of implementing all the steps in the method for separating accounts from messages under the bank cross-bank payment service in the above embodiments, where the computer readable storage medium stores a computer program, and when the computer program is executed by a processor, the execution subject in the above embodiments implements all the steps in the method for separating accounts from messages under the bank cross-bank payment service of a server or a client, for example, the processor implements the following steps when executing the computer program:
step S100, acquiring a cross-line payment request;
step S200, matching a client account in the cross-line payment request with a distributed temporary account by using a first-stage accounting distributed processor, and deducting funds of the client account to the distributed temporary account;
step S300, after the account deduction of the distributed temporary account is successful, generating a payment preparation account entry request and a payment message processing request;
step S400, according to the generated request type, sending the account-for-reserve payment account billing request to a account-for-reserve payment account billing request buffer pool, and sending a payment message processing request to a payment message processing request buffer pool;
Step S500, scanning the payment account billing request buffer pool, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment account billing request is found;
step S600, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message.
In step S100 to step S600, by establishing a distributed mechanism of a plurality of intermediate temporary accounts, the one-step accounting of the lending client credit-back-up gold user is adjusted to be processed in two stages of "the lending client account-credit distributed intermediate account" and "the lending distributed intermediate account-credit back-up gold account", after the accounting of the external client account in the first stage is successfully deducted, the message processing and the second-stage accounting processing are separated, the generation and the sending of the payment message are concurrently performed, and meanwhile, the second-stage accounting processing is serially performed; under the condition, even if the internal accounting of the second stage is problematic, the system can be recovered through a subsequent compensation mechanism, the fund risk can not occur, the normal transaction of the client can not be influenced, and meanwhile, the concurrency degree and the processing efficiency of the system are improved.
As can be seen from the above description, the computer readable storage medium provided in the embodiments of the present application overcomes the bottleneck of single account billing performance and the constraint of serial billing on message processing in the present cross-line payment, the problem of tight coupling between internal transactions of banks and external transactions of clients, controls the consistency and integrity of accounts processed in two stages by using a message and account separation manner, improves the billing concurrency and processing efficiency, effectively eliminates the problem of external client transactions caused by the backup account billing fault, avoids the influence of internal problems on the outside, and improves the user experience.
It will be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principles and embodiments of the present invention have been described in detail with reference to specific examples, which are provided to facilitate understanding of the method and core ideas of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (10)
1. A system for separating accounts from messages under a bank cross-bank payment service, the system comprising:
the payment request acquisition module is used for acquiring a cross-line payment request;
a first stage accounting distributed processor, configured to match a customer account in the cross-line payment request with a distributed temporary account, and deduct funds of the customer account to the distributed temporary account;
The request generation module is used for generating a payment preparation account billing request and a payment message processing request after the distributed temporary account billing is successful;
the request separation module is used for sending the account-keeping request of the prepared payment account to the account-keeping request buffer pool of the prepared payment account according to the generated request type, and sending the payment message processing request to the payment message processing request buffer pool;
the accounting request monitoring module is used for scanning the account-checking request buffer pool of the prepared payment account, and when the account-checking request of the prepared payment account is found, the second-stage accounting processor is called to sequentially and serially perform accounting processing of the prepared payment account;
and the message request monitoring module is used for scanning the payment message processing request buffer pool, and when the payment message processing request is found, the message processing module is called to process the payment message.
2. The system for separating accounts and messages under the bank cross-bank payment service according to claim 1, wherein the number of the distributed temporary accounts is set according to the traffic, and the distributed temporary accounts are distributed in different databases or placed in a distributed cache, and are grouped according to regions or service types.
3. The system for separating accounts and messages under a bank cross-bank payment service according to claim 1, wherein the accounting request monitoring module is specifically configured to:
scanning the payment request buffer pool of the payment account by using a queue monitoring serial processing process, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment request of the payment account is found;
the second-stage accounting processor is specifically configured to:
and sequentially processing the account checking requests of the prepared payment accounts, and deducting funds of the corresponding distributed temporary accounts to the prepared payment accounts.
4. The system for separating accounts from messages under a bank cross-bank payment service according to claim 1, wherein the message request monitoring module is specifically configured to:
scanning the payment message processing request buffer pool by using a queue to monitor concurrent processing progress, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message;
the message processing module is specifically configured to:
and processing the payment account settling request in parallel, generating a message, and sending the message to a cross-line payment system.
5. A method for separating accounts and messages under a bank cross-bank payment service is characterized by comprising the following steps:
acquiring a cross-line payment request;
matching a customer account in the cross-line payment request with a distributed temporary account by using a first-stage accounting distributed processor, and deducting funds of the customer account to the distributed temporary account;
after the account deduction of the distributed temporary account is successful, generating a payment preparation account posting request and a payment message processing request;
according to the generated request type, sending the account-checking request of the prepared payment account to an account-checking request buffer pool of the prepared payment account, and sending a payment message processing request to a payment message processing request buffer pool;
scanning the payment account checking request buffer pool, and calling a second-stage accounting processor to sequentially and serially perform accounting processing of the payment account when the payment account checking request is found;
and scanning the payment message processing request buffer pool, and when the payment message processing request is found, calling a message processing module to process the payment message.
6. The method for separating accounts and messages under the bank cross-bank payment service according to claim 5, wherein the number of the distributed temporary accounts is set according to the traffic, and the distributed temporary accounts are distributed in different databases or placed in a distributed cache, and are grouped according to regions or service types.
7. The method for separating accounts and messages under a bank cross-bank payment service according to claim 5, wherein the method scans the backup account billing request buffer pool, and when the backup account billing request is found, calls a second stage accounting processor to sequentially and serially perform accounting processing of the backup account, further comprising:
and scanning the account-filling request buffer pool of the prepared payment account by using a queue monitoring serial processing process, and calling a second-stage accounting processor to sequentially and serially process the accounting processing of the prepared payment account when the account-filling request of the prepared payment account is found, so as to deduct funds of the corresponding distributed temporary account to the prepared payment account.
8. The method for separating accounts and messages under the bank cross-bank payment service according to claim 5, wherein the method scans the payment message processing request buffer pool, and when the payment message processing request is found, the method concurrently calls a message processing module to process the payment message, and further comprises:
and monitoring concurrent processing processes by using a queue, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module, processing the payment account preparation and account entry request by the message processing module in parallel, generating a message, and sending the message to a cross-row payment system.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 5 to 8 when executing the computer program.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 5 to 8.
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| KR20140055386A (en) * | 2012-10-31 | 2014-05-09 | 중소기업은행 | Payment system using imagine account, method and apparatus for providing payment in the system |
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