CN109255702B - Method and device for changing account opening mechanism - Google Patents
Method and device for changing account opening mechanism Download PDFInfo
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- CN109255702B CN109255702B CN201811082653.3A CN201811082653A CN109255702B CN 109255702 B CN109255702 B CN 109255702B CN 201811082653 A CN201811082653 A CN 201811082653A CN 109255702 B CN109255702 B CN 109255702B
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Abstract
The application discloses a method and a device for changing an account opening mechanism, wherein the method comprises the following steps: receiving a request for changing an account opening mechanism, wherein the request comprises an identification of a user main account; acquiring the number of sub-accounts under the main account corresponding to the identification of the main account; if the number of the sub accounts is larger than or equal to a number threshold value, adding the identification of the main account into a reservation table; when the appointed time is up, checking a main account and a sub-account under the main account corresponding to the identification of the main account in the reservation table; and executing change account opening mechanism processing on the main account and the sub account which are successfully verified. The method and the device can reduce the workload required to be completed by bank staff when operating the account change account opening mechanism, and reduce the influence of the processing of the account change account opening mechanism on the online transaction of other accounts.
Description
Technical Field
The present application relates to the technical field of banking business processing, and in particular, to a method and an apparatus for changing an account opening mechanism.
Background
The account opening mechanism is a bank outlet for opening accounts for the account. When the location of the user changes, or the demand of the user for the account changes, the user can go to the account opening mechanism of the bank to change the account. If the account of the user is a company deposit account, a bank account, or a regular account book, and the like, and has a main account and an account of a sub-account under the main account for executing various operations, bank staff needs to manually transfer the main account and all the sub-accounts of the user from an original account opening mechanism to a target account opening mechanism, so that the process of changing the account opening mechanism is completed.
However, with the increase of banking types, there are more and more sub-accounts opened by users, and more users who have a need to change account opening mechanisms, so that not only a lot of time is consumed when changing account opening mechanisms, but also more workload is brought to bank staff. In addition, in the process of changing the account opening mechanism with a lot of time, the bank locks other accounts registered in the same data table with the main account in the database, and the locked accounts cannot execute any operation, so that the online transaction of the locked accounts is greatly influenced.
Disclosure of Invention
The embodiment of the application provides a method for changing an account opening mechanism, which is used for reducing the workload required to be completed by bank staff when operating the account opening mechanism and weakening the influence of the processing of the account opening mechanism on the online transaction of other accounts, and comprises the following steps:
receiving a request for changing an account opening mechanism, wherein the request comprises an identification of a user main account; acquiring the number of sub-accounts under the main account corresponding to the identification of the main account; if the number of the sub accounts is larger than or equal to a number threshold value, adding the identification of the main account into a reservation table; when the appointed time is up, checking a main account and a sub-account under the main account corresponding to the identification of the main account in the reservation table; and executing change account opening mechanism processing on the main account and the sub account which are successfully verified.
The embodiment of the present application further provides a device for changing an account opening mechanism, so as to reduce the workload required to be completed by bank staff when operating the account opening mechanism, and reduce the influence of processing for changing the account opening mechanism on online transactions of other accounts, the device including:
a receiving module for receiving a request to change an account opening mechanism, the request including an identification of a primary account of a user; the obtaining module is used for obtaining the number of sub-accounts under the main account corresponding to the identification of the main account received by the receiving module; the adding module is used for adding the identifier of the main account into a reservation table when the number of the sub accounts acquired by the acquiring module is greater than or equal to a number threshold; the verification module is used for verifying the main account and the sub-account under the main account corresponding to the identification of the main account added to the reservation table by the adding module when the designated time is up; and the change module is used for executing the processing of changing the account opening mechanism on the main account and the sub account which are successfully verified by the verification module.
The embodiment of the application also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method for changing the account opening mechanism when executing the computer program.
Embodiments of the present application further provide a computer-readable storage medium storing a computer program for executing the method of changing an account opening mechanism.
Compared with the technical scheme that bank staff operate to complete processing of all account change account opening mechanisms in the prior art, the method and the device have the advantages that part of the identification of the account needing to be changed account opening mechanisms is added into the reservation table, processing of the account change account opening mechanisms in the reservation table is automatically completed, and workload required to be completed when the bank staff operate the account change account opening mechanisms is reduced. And the operation of verifying and changing the account opening mechanism is carried out after the appointed time is reached, namely, the method and the device can reserve the time for changing the account opening mechanism, compared with the account opening mechanism needing to change the account immediately in the prior art, the method and the device have the advantages that the processing flexibility is increased, and the influence of the processing of changing the account opening mechanism on the online transaction of other accounts is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart of a method of changing account opening mechanisms in an embodiment of the present application;
fig. 2 is a diagram showing a configuration of an apparatus for changing an account opening mechanism in the embodiment of the present application.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present application more clearly understood, the embodiments of the present application are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present application are provided herein to explain the present application and not to limit the present application.
The embodiment of the application provides a method for changing an account opening mechanism, which is applied to network equipment such as a computer or a server for executing banking business processing operation. As shown in fig. 1, the method includes steps 101 to 105:
The request for changing the account opening mechanism comprises the identification of the user main account. The request for changing the account opening mechanism may be initiated by the user, or initiated by a bank worker according to the request of the user, and the initiator of the request for changing the account opening mechanism is not limited herein.
The identification can be a unique serial number allocated to the account by the bank when the account is opened, or an account number of the account, and the identification can be composed of symbols such as numbers, letters and the like. The specific content of the identifier is not limited herein.
And 102, acquiring the number of sub-accounts under the main account corresponding to the identification of the main account.
It should be noted that the main account and the sub-account are stored according to the identifier of the main account, and the network device may determine the main account, and then may determine the sub-account under the main account according to the corresponding relationship between the main account and the sub-account set by the bank.
And 103, if the number of the sub accounts is larger than or equal to the number threshold, adding the identification of the main account into the reservation table.
Optionally, if the number of the sub-accounts is smaller than the number threshold, the main account corresponding to the identifier of the main account and the account opening mechanism of the sub-account under the main account corresponding to the identifier of the main account are changed in real time.
In the embodiment of the application, the identifier of the main account is added into the reservation table, and the identifier of the sub-account is not added, so that the time for the network device to read the sub-accounts one by one and write the identifiers of the sub-accounts into the reservation table can be reduced, and resources required to be called by the network device to read and write the identifiers of the sub-accounts are saved.
Optionally, considering that the more the number of the sub-accounts, the longer the time required for changing the account opening mechanism is, in order to reduce the time occupied by changing the service of the account opening mechanism in the time of receiving the customer by the bank as much as possible, a number threshold may be set to limit the real-time change of the account number of the account opening mechanism in the time of receiving the customer by the bank, so that the number of the sub-accounts is smaller, that is, the account with the smaller time required in the process of changing the account opening mechanism is processed by the change of the account opening mechanism in real time, and the account with the larger number of the sub-accounts changes the account opening mechanism in the time of not receiving the customer by the bank.
Optionally, in view of the fact that the number of sub-accounts under some main accounts is large, which may be hundreds to thousands, if a plurality of main accounts including a large number of sub-accounts are written into the same reservation table, after the identifiers of the sub-accounts are also written into the reservation table in the subsequent steps, the amount of data written into the reservation table is too large, which results in a long processing time for changing the account opening mechanism one by one, and a possibility of errors occurring during processing is increased. Therefore, the number of the main accounts and the sub accounts in each reservation table is balanced, the number of the main accounts and the sub accounts is kept in a proper state, the time for changing the account opening mechanism of a single reservation table account is reduced, and the processing time of the accounts of all the account opening mechanisms to be changed is reduced while parallel processing is carried out.
When a plurality of reservation tables are set, the accounts can be divided into the reservation tables corresponding to different provinces according to the difference of the provinces. For example, the accounts of the original account opening institution belonging to the same province can be written into the same reservation table, for example, the accounts of the original account opening institution belonging to Beijing are written into one reservation table, and the accounts of the original account opening institution belonging to Hebei are written into the same reservation table. Or, the accounts of the same province of the target account opening mechanism can be written into the same reservation table, for example, the accounts to be changed to beijing are written into the same reservation table. In addition, one or more reservation tables may be set for a certain province according to the number of accounts to be transferred out or transferred in the province, and the number of the set reservation tables is not limited herein.
And step 104, when the designated time is up, checking the main account and the sub-account under the main account corresponding to the identification of the main account in the reservation table.
Optionally, the process of verifying the main account and the sub-account under the main account includes: judging whether the main account meets the change condition of the change account opening mechanism or not; if the primary account meets the change condition, setting the account state of the primary account to be changed; reading sub accounts under a main account to be changed in a database one by one, and judging whether the read sub accounts meet the change condition; and writing the identifier of the sub-account meeting the change condition into the reservation table, and setting the account state of the sub-account written into the reservation table to be changed.
Optionally, after reading the sub-accounts in the database under the main account to be changed one by one and judging whether the read sub-accounts meet the change condition, the account status of the main account to which the sub-accounts which do not meet the change condition belong can be set as verification failure; searching a reservation table, checking a sub-account under the failed main account, and changing the account state of the searched sub-account into the checking failure; and stopping the reading and verification process of the unverified sub-account under the main account with verification failure in the database.
The change condition is that the account is in a normal state, and an account in an abnormal state such as frozen state due to reasons such as debt, law violation, and account closing cannot change the account opening mechanism.
In the embodiment of the present application, in consideration of the fact that if it is found that the account does not conform to the change condition in the process of changing an account opening mechanism, resources used when the network device has changed the main account or part of the sub-accounts of the account are wasted, in the embodiment of the present application, two verification processes are adopted for the main account and the sub-accounts respectively. If the primary account is confirmed to be not in accordance with the change condition during the primary verification, the primary account and the sub-account of the account cannot change the account opening mechanism, and then the sub-account is not verified any more, so that the resources of the network equipment are saved. In addition, because the main account meets the change condition and one or more sub-accounts under the main account do not meet the change condition, in the embodiment of the application, after the verification of the main account is completed, the sub-accounts under the main account are verified one by one, and if the sub-accounts do not meet the change condition, the main account to which the sub-accounts belong and all the sub-accounts under the main account cannot change the account opening mechanism are determined.
Through the two verification processes, the account which can not change the account opening mechanism can be basically eliminated, and the efficiency of changing the account opening mechanism is improved.
Optionally, the network device may generate an account list with a verification failure, and the identifier of the main account or the sub-account with the verification failure and the reason of the verification failure are marked in the account list, so that the bank staff can check the account list conveniently.
And 105, executing the processing of changing the account opening mechanism on the main account and the sub account which are successfully verified.
After the main account and the sub-accounts are completely verified, the account opening mechanism of the main account is changed, and then the account opening mechanisms of the sub-accounts can be changed one by one according to the sequence of writing the sub-accounts in the main account into the reservation table.
It should be noted that after all the change account opening mechanisms of one main account and all the sub-accounts under the main account are completed, the change account opening mechanism processing of the next main account and the sub-account corresponding to the main account is performed, so as to avoid the situation that the main account and the sub-accounts belong to different account opening mechanisms respectively within a long time.
Optionally, the executing the processing of changing the account opening mechanism on the main account and the sub account which are successfully verified includes: changing an account opening mechanism of the main account with the state to be changed in the reservation table, and changing the account state of the main account with the successfully changed account opening mechanism into the account state with the successfully processed main account; and changing the account opening mechanism of the sub-account under the main account with successful processing item by item, and changing the account state of the sub-account with successful change of the account opening mechanism into successful processing.
In the process of changing the account opening mechanism, the network device may fail to process the main account or the sub-account of which the state is to be changed to change the account opening mechanism due to the fact that resources of the network device are occupied by other services or errors occur in a database, and the like, and the data of the main account or the sub-account of which the processing fails can be recovered to the state before the processing; and then the restored main account or sub-account executes the process of changing the account opening mechanism. In the embodiment of the present application, the processing of changing an account opening mechanism is executed again for the main account or the sub-account for which the process of changing an account opening mechanism has failed, so that the processing of changing an account opening mechanism for all the main accounts and the sub-accounts in the reservation table is completed as much as possible.
Optionally, if the processing fails to change the account opening mechanism for multiple times for a certain main account, the identifier of the main account may be recorded, and the account statuses of the main account and all sub-accounts therebelow may be set to be abnormal statuses; if the processing of changing the account opening mechanism for a plurality of times of a certain sub-account fails, the identifier of the sub-account can be recorded, the main account of the sub-account and all sub-accounts of the changed account opening mechanism under the main account are subjected to data recovery operation, the account opening mechanism of the processed account is changed into the original account opening mechanism again, and then the account states of the main account to which the sub-account belongs and all sub-accounts under the main account are set to be in abnormal states. When the account opening mechanism of the account in the reservation table is changed, the network equipment can skip the account in the abnormal state and process other accounts in the to-be-processed state. The skipping mechanism can avoid that the network equipment repeatedly processes the same failed account so as to waste too much time.
After the bank staff goes to work, the network equipment can provide the bank staff with the list of the account which fails in processing, so that the staff can check the failure reason and correct the problems in time.
Optionally, when the account opening mechanism is failed to be changed, the identifier of the main account or the sub account that the account opening mechanism is failed to be changed and the reason of the error may be recorded, so that the bank staff can optimize the network device according to the reason of the failure, and the possibility of the error occurring again is reduced.
Optionally, in order to save the storage space and avoid the problem that data reading is difficult due to excessive data amount in the reservation table, the data resetting time of the reservation table may be set, and when the resetting time is reached, all data in the reservation table is deleted for writing in a new main account and a new sub account which need to be changed by the account opening mechanism. Illustratively, the 24-hour time may be set as a reset time to zero the reservation table every day, or set to zero the reservation table once every fixed period, etc. The reset time may be set according to how many accounts the bank needs to change to the issuer. The specific value of the reset time is not limited herein.
Optionally, a header record status indicating whether the primary account identifier can be added to the reservation table may be further included in the reservation table, and the header record status is divided into a reservable status and a non-reservable status. When the head record state is available for reservation, the mark of the main account of the account opening mechanism needing to be changed can be added into the reservation table; when the appointed time is reached, when the network equipment begins to process the account in the reservation table, the head recording state in the reservation table is changed into the non-reservation state, the addition of a new main account identifier into the reservation table is not allowed, and the non-reservation state is kept until the set time for changing the head recording state is reached or the head recording state of the reservation table is manually changed by bank work, so that the operation step of processing the account in the reservation table by the network equipment due to the addition of the new main account identifier into the reservation table can be avoided, and errors caused by the operation step disorder of the network equipment can be avoided. The time for changing the head record can be set by the bank staff.
After the account is processed by the change account opening mechanism, because the change of the account opening mechanism causes the change of regions, the interest rates of banks in different regions may be different, thus the interest rate is changed, the interest generated by the account needs to be calculated again, and the change account opening mechanism list is generated to be used by a bank general ledger system. The list of the changed account opening mechanism comprises an original account opening mechanism of the account, a target account opening mechanism transferred to the original account opening mechanism, the amount of money needing to be transferred from the original account opening mechanism to the target account opening mechanism and the like.
Compared with the technical scheme that bank workers operate and complete processing of all account change account opening mechanisms in the prior art, the method and the device have the advantages that part of the identification of the account needing to be changed account opening mechanisms is added into the reservation table, processing of the account change account opening mechanisms in the reservation table is automatically completed, and workload required to be completed when the bank workers operate the account change account opening mechanisms is reduced. And the operation of verifying and changing the account opening mechanism is carried out after the appointed time is reached, namely, the method and the device can reserve the time for changing the account opening mechanism, compared with the account opening mechanism needing to change the account immediately in the prior art, the method and the device have the advantages that the processing flexibility is increased, and the influence of the processing of changing the account opening mechanism on the online transaction of other accounts is reduced.
The embodiment of the present application provides an apparatus for changing an account opening mechanism, as shown in fig. 2, the apparatus 200 includes a receiving module 201, an obtaining module 202, an adding module 203, a verifying module 204, and a changing module 205.
The receiving module 201 is configured to receive a request for changing an account opening mechanism, where the request includes an identifier of a primary account of a user.
An obtaining module 202, configured to obtain the number of sub-accounts under the main account corresponding to the identifier of the main account received by the receiving module 201.
An adding module 203, configured to add the identifier of the primary account to the reservation table when the number of the sub-accounts acquired by the acquiring module 202 is greater than or equal to the number threshold.
And the verification module 204 is configured to, when the specified time arrives, verify that the adding module 203 adds the main account and the sub-account under the main account corresponding to the identifier of the main account in the reservation table.
And the changing module 205 is configured to perform a change account opening mechanism process on the primary account and the secondary account successfully verified by the verifying module 204.
Optionally, the checking module 204 is configured to:
judging whether the main account meets the change condition of the change account opening mechanism or not;
if the primary account meets the change condition, setting the account state of the primary account to be changed;
reading sub accounts under a main account to be changed in a database one by one, and judging whether the read sub accounts meet the change condition;
and writing the identifier of the sub-account meeting the change condition into the reservation table, and setting the account state of the sub-account written into the reservation table to be changed.
Optionally, the apparatus 200 further comprises:
and the state setting module 206 is configured to set the account state of the primary account belonging to the sub-account which is verified by the verification module 204 and does not meet the change condition as verification failure.
The status setting module 206 is further configured to search for a sub-account under the primary account that failed in verification in the reservation table, and change the account status of the searched sub-account into a verification failure.
The verification module 204 is further configured to stop the reading and verification process for the unverified sub-account of the primary account that fails in verification in the database.
Optionally, the changing module 205 is configured to:
changing an account opening mechanism of the main account with the state to be changed in the reservation table, and changing the account state of the main account with the successfully changed account opening mechanism into the account state with the successfully processed main account;
changing the account opening mechanism of the sub-account under the main account with successful processing item by item, and changing the account state of the sub-account with successful change of the account opening mechanism into successful processing;
if the main account or the sub account with the state to be changed fails to change the processing of the account opening mechanism, restoring the data of the main account or the sub account with the failed processing to the state before processing;
and executing the change account opening mechanism processing on the recovered main account or sub-account again.
Optionally, the changing module 205 is further configured to:
and when the number of the sub-accounts is smaller than the number threshold, changing the main account corresponding to the identification of the main account and the account opening mechanism of the sub-account under the main account corresponding to the identification of the main account in real time.
Embodiments of the present application further provide a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the method described in the foregoing embodiments of the present application is implemented.
Embodiments of the present application further provide a computer-readable storage medium, where a computer program for executing the method described in the above embodiments of the present application is stored in the computer-readable storage medium.
Compared with the technical scheme that bank workers operate and complete processing of all account change account opening mechanisms in the prior art, the method and the device have the advantages that part of the identification of the account needing to be changed account opening mechanisms is added into the reservation table, processing of the account change account opening mechanisms in the reservation table is automatically completed, and workload required to be completed when the bank workers operate the account change account opening mechanisms is reduced. And the operation of verifying and changing the account opening mechanism is carried out after the appointed time is reached, namely, the method and the device can reserve the time for changing the account opening mechanism, compared with the account opening mechanism needing to change the account immediately in the prior art, the method and the device have the advantages that the processing flexibility is increased, and the influence of the processing of changing the account opening mechanism on the online transaction of other accounts is reduced.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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, Compact disk Read-Only Memory (CD-ROM), optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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 above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present application in detail, and it should be understood that the above-mentioned embodiments are only examples of the present application and are not intended to limit the scope of the present application, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present application should be included in the scope of the present application.
Claims (8)
1. A method of changing an account opening mechanism, the method comprising:
receiving a request for changing an account opening mechanism, wherein the request comprises an identification of a user main account;
acquiring the number of sub-accounts under the main account corresponding to the identification of the main account;
if the number of the sub accounts is larger than or equal to a number threshold value, adding the identification of the main account into a reservation table; the number of the reservation tables is multiple, different reservation tables are independent from each other, and the multiple reservation tables can be processed in parallel;
when the appointed time is up, checking a main account and a sub-account under the main account corresponding to the identification of the main account in the reservation table; wherein the specified time is a time when the bank does not receive the customer; the verifying the main account corresponding to the identifier of the main account in the reservation table and the sub-account under the main account comprises the following steps: judging whether the main account meets the change condition of a change account opening mechanism or not; if the primary account meets the change condition, setting the account state of the primary account to be changed; reading sub accounts under a main account to be changed in a database one by one, and judging whether the read sub accounts meet the change condition; writing the identifier of the sub-account which meets the change condition into a reservation table, and setting the account state of the sub-account which is written into the reservation table to be changed;
Executing change account opening mechanism processing on the main account and the sub account which are successfully verified; the process of changing the account opening mechanism on the main account and the sub account which are successfully verified comprises the following steps: changing the account opening mechanism of the main account with the state to be changed in the reservation table, and changing the account state of the main account with the successfully changed account opening mechanism into the successfully processed account state; changing the account opening mechanism of the sub-account under the main account with successful processing item by item, and changing the account state of the sub-account with successful change of the account opening mechanism into successful processing; if the main account or the sub account with the state to be changed fails to change the processing of the account opening mechanism, restoring the data of the main account or the sub account with the failed processing to the state before processing; and executing the change account opening mechanism processing on the recovered main account or sub-account again.
2. The method according to claim 1, wherein after reading the sub-accounts in the database under the primary account to be changed item by item and determining whether the read sub-accounts meet the change condition, the method further comprises:
setting the account state of the main account of the sub-account which does not meet the change condition as verification failure;
searching a sub-account under the main account which fails to be verified in the reservation table, and changing the account state of the searched sub-account into verification failure;
And stopping the reading and verification process of the unverified sub-account under the main account with failed verification in the database.
3. The method of claim 1, wherein after obtaining the number of sub-accounts under the primary account corresponding to the identity of the primary account, the method further comprises:
and if the number of the sub-accounts is smaller than the number threshold, changing the main account corresponding to the identification of the main account and the account opening mechanism of the sub-account under the main account corresponding to the identification of the main account in real time.
4. An apparatus for changing an account opening mechanism, the apparatus comprising:
a receiving module, configured to receive a request for changing an account opening mechanism, where the request includes an identifier of a primary account of a user;
the acquisition module is used for acquiring the number of sub-accounts under the main account corresponding to the identification of the main account received by the receiving module;
the adding module is used for adding the identification of the main account into a reservation table when the number of the sub-accounts acquired by the acquiring module is greater than or equal to a number threshold; the number of the reservation tables is multiple, different reservation tables are independent from each other, and the multiple reservation tables can be processed in parallel;
The verification module is used for verifying the main account and the sub-account under the main account corresponding to the identification of the main account added to the reservation table by the adding module when the designated time is up; wherein the specified time is a time when the bank does not receive the customer;
the change module is used for executing change account opening mechanism processing on the main account and the sub-account which are successfully verified by the verification module;
the verification module is configured to: judging whether the main account meets the change condition of a change account opening mechanism or not; if the primary account meets the change condition, setting the account state of the primary account to be changed; reading sub accounts under a main account to be changed in a database one by one, and judging whether the read sub accounts meet the change condition; writing the identifier of the sub-account which meets the change condition into a reservation table, and setting the account state of the sub-account which is written into the reservation table to be changed;
the change module is configured to: changing the account opening mechanism of the main account with the state to be changed in the reservation table, and changing the account state of the main account with the successfully changed account opening mechanism into the successfully processed account state; changing the account opening mechanism of the sub-account under the main account which is successfully processed one by one, and changing the account state of the sub-account which is successfully changed in the account opening mechanism into the account state which is successfully processed; if the processing of the main account or the sub-account with the state to be changed for changing the account opening mechanism fails, restoring the data of the main account or the sub-account with the failed processing to the state before processing; and executing the change account opening mechanism processing on the recovered main account or sub-account again.
5. The apparatus of claim 4, further comprising:
the state setting module is used for setting the account state of the main account which belongs to the sub-account which is verified by the verification module and does not conform to the change condition as verification failure;
the state setting module is also used for searching the sub-account under the main account which fails in verification in the reservation table and changing the found account state of the sub-account into verification failure;
the verification module is further configured to stop the reading and verification process of the unverified sub-account under the primary account with the verification failure in the database.
6. The apparatus of claim 4, wherein the altering module is further configured to:
and when the number of the sub-accounts is smaller than the number threshold, changing the main account corresponding to the identifier of the main account and the account opening mechanism of the sub-account under the main account corresponding to the identifier of the main account in real time.
7. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 3 when executing the computer program.
8. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 3.
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| WO2007127427A2 (en) * | 2006-04-27 | 2007-11-08 | Sun Life Assurance Company Of Canada (U.S.) | Investment product, methods and system for administration thereof |
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