CN109741170A - Divide account processing method and system - Google Patents
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Abstract
The present invention provides one kind point account processing method and system.This point of account processing method includes: that each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；Account distribution system distributes whole bank's main accounts to main account system for settling account according to the service interaction number between each bank account, distributes the sub- account of whole banks at most a sub- account system for settling account；Route system is sent to main account system for settling account or in which a sub- account system for settling account for message is cleared；Wherein, clearance message includes amount of settlement data；The available position of debit row account is compared by main account system for settling account or sub- account system for settling account with amount of settlement data, corresponding amount of settlement clearance processing between debit row account and credit row account is executed according to comparison result and clearance message, business continuance can be improved, support the transformation of application distribution formula, realization is laterally expansible, avoids generating hot spot account and avoids relying on high-end hardware and software device.
Description
Technical field
The present invention relates to data processing fields, and in particular, to one kind divides account processing method and system.
Background technique
500,000 single account amount of access per hour that the second generation payment system of bank can support peak value, can satisfy and work as
Preceding business processing demand.But with the rapid development of social economy, economic scale constantly expands, transaction increasingly frequency
Numerous, in a foreseeable future, large bank's portfolio at peak is possible to break through 500,000 per hour, leads to single clearance account
Family becomes hot spot account.
Payment system more uses centralized architecture at present, its main feature is that the simple and direct stabilization of framework, convenient for Longitudinal Extension with
Management, technology maturation, but there are still following defects:
1) distributed deployment, across data-center applications deployment is not supported to be restricted.
There are Single Point of Faliure risks for single machine deployment, do not meet business continuance demand.
2) there are hot spot account hidden danger.
Concentration account book keeping operation single account can only be deployed on single machine node, can only be promoted simultaneously by way of Longitudinal Extension
Volatility, and there are bottlenecks for extension；Most of payment clearing operation occurs between several big rows, with the increasing of portfolio
Long, there are hot spot account hidden danger for concentration account.
3) high-end hardware and software device is relied on, autonomous controllable requirement is not met.
Centralized architecture is stronger to the dependence of high-end hardware and software device, can not adapt to the demand of diversified flexible deployment, also not
It adapts to the autonomous controllable safety requirements of key business information system.
Summary of the invention
The main purpose of the embodiment of the present invention is to provide one kind point account processing method and system, to improve business continuity
Property, it supports the transformation of application distribution formula, realization laterally expansible, avoids generating hot spot account and avoiding relying on high-end software and hardware setting
It is standby.
To achieve the goals above, the embodiment of the present invention provides one kind point account processing method, comprising:
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to master according to the service interaction number between each bank account
Account system for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account system for settling account and son
Account system for settling account includes debit row account and credit row account；
Route system is sent to main account system for settling account or in which a sub- account system for settling account for message is cleared；Wherein,
Clearing message includes amount of settlement data；
Main account system for settling account or sub- account system for settling account by the available position of debit row account and amount of settlement data into
Row compares, and executes corresponding amount of settlement clearance between debit row account and credit row account according to comparison result and clearance message
Processing.
The embodiment of the present invention also provides one kind point account processing system, comprising:
Account segmenting system, for each bank account to be divided into the sub- account of bank's main account and multiple banks
Family；
Account distribution system, for according to the service interaction number between each bank account, whole bank's main accounts to be divided
It is assigned to main account system for settling account, distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account clearance system
System and sub- account system for settling account include debit row account and credit row account；
Route system is sent to main account system for settling account or in which a sub- account system for settling account for that will clear message；
Wherein, clearance message includes amount of settlement data；
Main account system for settling account or sub- account system for settling account are used for: by the available position of debit row account and amount of settlement number
According to being compared, corresponding amount of settlement between debit row account and credit row account is executed according to comparison result and clearance message
Clearance processing.
The embodiment of the present invention also provides a kind of computer equipment, including memory, processor and storage are on a memory simultaneously
The computer program that can be run on a processor, processor perform the steps of when executing computer program
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to master according to the service interaction number between each bank account
Account system for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account system for settling account and son
Account system for settling account includes debit row account and credit row account；
Route system is sent to main account system for settling account or in which a sub- account system for settling account for message is cleared；Wherein,
Clearing message includes amount of settlement data；
Main account system for settling account or sub- account system for settling account by the available position of debit row account and amount of settlement data into
Row compares, and executes corresponding amount of settlement clearance between debit row account and credit row account according to comparison result and clearance message
Processing.
The embodiment of the present invention also provides a kind of computer readable storage medium, is stored thereon with computer program, computer
It is performed the steps of when program is executed by processor
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to master according to the service interaction number between each bank account
Account system for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account system for settling account and son
Account system for settling account includes debit row account and credit row account；
Route system is sent to main account system for settling account or in which a sub- account system for settling account for message is cleared；Wherein,
Clearing message includes amount of settlement data；
Main account system for settling account or sub- account system for settling account by the available position of debit row account and amount of settlement data into
Row compares, and executes corresponding amount of settlement clearance between debit row account and credit row account according to comparison result and clearance message
Processing.
Account segmenting system in point account processing method and system of the embodiment of the present invention divides equally each bank account
It is segmented into the sub- account of bank's main account and multiple banks；Account distribution system distributes whole bank's main accounts clear to main account
Calculation system distributes the sub- account of whole banks at most a sub- account system for settling account；Route system is sent to main account for message is cleared
Family system for settling account or in which a sub- account system for settling account；Main account system for settling account or sub- account system for settling account are by debit row account
Available position be compared with amount of settlement data, debit row account and credit row are executed according to comparison result and clearance message
Corresponding amount of settlement clearance processing, can be improved business continuance between account, supports the transformation of application distribution formula, realizes laterally
It is expansible, it avoids generating hot spot account and avoids relying on high-end hardware and software device.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, embodiment will be described below
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without creative efforts, can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is the flow chart of point account processing method in the embodiment of the present invention；
Fig. 2 is the structural block diagram of point account processing system in the embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
One skilled in the art will appreciate that embodiments of the present invention can be implemented as a kind of system, device, equipment, method
Or computer program product.Therefore, the present disclosure may be embodied in the following forms, it may be assumed that complete hardware, complete software
The form that (including firmware, resident software, microcode etc.) or hardware and software combine.
Distributed deployment is not supported in view of the prior art, and there are hot spot account hidden danger, rely on high-end hardware and software device, this hair
Bright embodiment provides one kind point account processing method, to improve business continuance, supports the transformation of application distribution formula, realizing laterally can
Extension avoids generating hot spot account and avoids relying on high-end hardware and software device.
Fig. 1 is the flow chart of point account processing method in the embodiment of the present invention.As shown in Figure 1, dividing account processing method packet
It includes:
S101: each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system
Family.
Wherein, the features such as account segmenting system can use amount of settlement, traffic case according to bank dynamic configuration can
The quantity of the sub- account split.The fractionation number of sub- account can be according to (such as 30 days) average traffic peak value feelings in a period of time
Condition comprehensively considers system process performance to adjust the sub- account number that should be split.
Sub- account number=average traffic peak value/single machine process performance.
S102: account distribution system is according to the service interaction number between each bank account, by whole bank's main accounts point
It is assigned to main account system for settling account, distributes the sub- account of whole banks at most a sub- account system for settling account；
Wherein, main account system for settling account and sub- account system for settling account include debit row account and credit row account: main account
Family system for settling account includes debit row main account and credit row main account, and sub- account system for settling account includes debit row account and credit
The sub- account of row.Bank account in system for settling account itself does not distinguish debit row account and credit row account, according only to the industry of contact
Debit row account and credit row account are functionally temporarily served as in business: what position was reduced is debit row account, and position is increased
As credit row account.
When it is implemented, service interaction number in a period of time can be higher than to the sub- account of bank of threshold value with given threshold
It is assigned in same sub- account system for settling account.For example, the service interaction number between 5 banks is higher than threshold value, then by 5 silver
Row is distributed to same sub- account system for settling account.
S103: route system is sent to main account system for settling account or in which a sub- account system for settling account for message is cleared；
Wherein, clearance message includes amount of settlement data.
S104: main account system for settling account or sub- account system for settling account are by the available position of debit row account and amount of settlement number
According to being compared, corresponding amount of settlement between debit row account and credit row account is executed according to comparison result and clearance message
Clearance processing.
The executing subject of shown in FIG. 1 point of account processing method can be computer.Process as shown in Figure 1 is it is found that originally
Each bank account is divided into the main account of bank by the account segmenting system in point account processing method of inventive embodiments
The sub- account in family and multiple banks；Account distribution system distributes whole bank's main accounts to main account system for settling account, will be all silver-colored
The sub- account of row distributes at most a sub- account system for settling account；Route system will clear message be sent to main account system for settling account or in which
One sub- account system for settling account；Main account system for settling account or sub- account system for settling account by the available position of debit row account and are cleared
Value data is compared, and is executed according to comparison result and clearance message corresponding clear between debit row account and credit row account
The processing of amount of money clearance is calculated, business continuance can be improved, supports the transformation of application distribution formula, realization is laterally expansible, avoids generating
Hot spot account and avoid relying on high-end hardware and software device.
In one embodiment, message is cleared further include: the data of debit row account and the data of credit row account；
S102 is specifically included:
Route system is sent to main account according to the data of debit row account and the data of credit row account, by clearance message
System for settling account or in which one while the sub- account system for settling account including debit row account and credit row account.Wherein it is possible to press
Serial number of trading carries out load balancing, and clearance message is sent in different systems for settling account.Main account system for settling account or sub- account
System for settling account also carries out message format inspection, rightness of business inspection and weight account inspection to clearance message.
For example, the account of bank A is divided into main account A1 and two sub- account A2, A3；The account of bank B is divided into
Main account B1 and sub- account B2；The account of bank C is divided into main account C1 and sub- account C2.Main account system for settling account includes master
Account A1, main account B1 and main account C1；One of them sub- account system for settling account includes sub- account A2 and sub- account B2, another
Sub- account system for settling account includes sub- account A3 and sub- account C2.The clearance message for being related to bank A and bank B can be routed to master
Account system for settling account or sub- account system for settling account including sub- account A2 and sub- account B2.It is related to the clear of bank A and bank C
Main account system for settling account or the sub- account system for settling account including sub- account A3 and sub- account C2 can be routed to by calculating message.It is related to
Clearance message to bank B and bank C can be routed to main account system for settling account.
In one embodiment, S104 is specifically included:
When clearance message is sent to sub- account system for settling account, sub- account system for settling account can be used debit row account
Position is compared with amount of settlement data；
When the available position of debit row account is greater than or equal to amount of settlement data, sub- account system for settling account is according to clear
It calculates message and executes corresponding amount of settlement clearance processing between debit row account and credit row account；
When the available position of debit row account is less than amount of settlement data, sub- account system for settling account will clear message routing
To main account system for settling account.
In one embodiment, when clearing message and being sent to main account system for settling account, main account system for settling account is by debit row
The available position of main account is compared with amount of settlement data；
When the available position of debit row main account is greater than or equal to amount of settlement data, main account system for settling account is according to clear
It calculates message and executes corresponding amount of settlement clearance processing between debit row main account and credit row main account.
When the available position of debit row main account is less than amount of settlement data, every sub- account system for settling account is by debit
The available position of the sub- account of row is alloted to debit row main account；
After debit row main account receives the amount of settlement of whole debit row accounts, if its available position be greater than or
When equal to amount of settlement data, then main account system for settling account executes debit row main account and credit row main account according to clearance message
Between corresponding amount of settlement clearance processing；
After debit row main account receives the available position of whole debit row accounts, if its available position is less than clearly
Value data is calculated, then main account system for settling account is put into queue queue for message is cleared, and sends back and hold message to transaction system announcement
Debit row main account is known there are queued instructions, this business is in queueing condition.
Wherein, if clearance message is cleared in sub- account system for settling account, when debit row main account is there are when queued instructions,
Sub- account system for settling account allots the available position of debit row account to debit row main account.For example, one of debit row
Sub- account can be increased with position, and sub- account system for settling account allots the available position of debit row account to the main account of debit row at this time
Family is put into the clearance message of queue queue to save.If clearance message is saved the clearance successfully deleted in queue queue
Message, main account system for settling account send receipt message to transaction system.
In one embodiment, when one of bank's main account is in remaining sum alert status, sub- account system for settling account will be silver-colored
The available position of the sub- account of row is alloted to bank's main account.
Specific embodiment is as follows:
1, one of credit row account can be increased with position, and sub- account system for settling account is by the credit row account at this time
Available position allot to credit row main account, the available position of credit row main account increases；When can be used for credit row main account
When position is greater than remaining sum early warning value, credit row main account releases remaining sum alert status.
2, credit row main account can be increased with position；When the available position of credit row main account is greater than remaining sum early warning value,
Credit row main account releases remaining sum alert status.
3, debit row main account can be reduced with position, when the available position of debit row main account is less than or equal to remaining sum early warning
When value, debit row main account is in remaining sum alert status.Sub- account system for settling account is by the available position of debit row account at this time
It allots to debit row main account, the available position of debit row main account increases；More than being greater than when the available position of debit row main account
When volume early warning value, debit row main account releases remaining sum alert status.When debit row main account available position still less than or be equal to
When remaining sum early warning value, sub- account system for settling account exports remaining sum early warning message to monitoring row.
Account segmenting system is while dividing bank's main account and bank's sub- account, according further to certain allocation proportion point
With available position.It can be as follows with the specific method of salary distribution of position:
1, embodiment 1 can be distributed with position
The available position of bank's main account distribution is as follows:
The available position of each sub- account distribution of bank is as follows:
Wherein, x is the available position of main account distribution, and y is the available position of every sub- account distribution, k1For big amount of money class
Central point, k2For small amount of money class central point, z is the available position of bank account distribution, and s is the number of sub- account.
The allocation proportion of main account can be according to the business amount of money statistical result that (such as 30 days) in a period of time occur come really
Fixed, by the business amount of money of generation, according to clustering algorithm, (clustering algorithm is the data with same characteristic features to be gathered in one group, each
Group can all have a central point, then the distance of calculating data to each central point, then the data are assigned to apart from the smallest
In group belonging to that central point) it is divided into big amount of money class and small amount of money class.According to big amount of money class central point k1In small amount of money class
Heart point k2Ratio, calculate the allocation proportion of main account.
Under the allocation model, big amount of money section business routes to main account, and small amount of money section business routes to sub- account, routing
Mechanism depends on the amount of money size that business occurs, and needs to modify built-in message, and the number for the system for settling account for needing to route is written
In heading.
2, embodiment 2 can be distributed with position
The available position of bank's main account distribution is as follows:
The available position of each sub- account distribution of bank is as follows:
Wherein, x is the available position of main account distribution, and y is the available position of every sub- account distribution, k3For ratio system
Number, z are the available position of bank account, and s is the number of sub- account.
Main account is counted as a special sub- account, and the available position of main account distribution is the available head of sub- account distribution
Very little k3Times, k3It can be adjusted correspondingly with the probability that position deficiency occurs after being distributed according to amount of settlement, when available position
When insufficient probability of happening is larger, by k3It adjusts and reduce, reduces message and re-route the probability occurred.
Due to the randomness of the business amount of money, after a period of time, the available position distribution between each account may more initially divide
Timing has greatly changed, for avoid each account available position deviate original allocation ratio it is excessive cause business be rejected or
There is small amount queueing message, it can (such as message be routed to certain sub- account, because of amount of settlement in fixed intervals and particular event
Deficiency needs to be routed to main account processing again) distribution of available position is re-started when occurring.
3, embodiment 3 can be distributed with position
The available position of bank's main account distribution is as follows:
X=[(1- ε) × (α × η+β × λ+θ × μ)+ε] × z；
The available position of each sub- account distribution of bank is as follows:
Wherein, x is the available position of main account distribution, and y is the available position of every sub- account distribution, and ε estimates for first three days
Bias Correction coefficient is calculated, α is the first coefficient, and β is the second coefficient, and θ is third coefficient, and η is the total of big amount of money section business in 1 year
Amount of money accounting, λ are the total amount accounting of big amount of money section business in January, and μ is that the total amount of big amount of money section business in upper one year accounts for
Than z is the available position of bank account, and s is the number of sub- account, and big amount of money section business is the industry that the amount of money is greater than preset cost
Business.
Alpha+beta+θ=1.α, β and θ are calculated according to historical data, with the business model and benefit for being calculated participant
It is related with the done service conditions of payment system, show only the accounting situation of every class historical data；When thering is amount of settlement to allot,
It is just adjusted correspondingly, as long as guaranteeing that three's adduction is 1.ε be first three days calculating error compensation coefficient, i.e., first three days by
Maximum queuing service total amount is caused to account for the same day total amount of settlement ratio average in main account amount of settlement deficiency.Preset cost
All business total amount average values of preceding 1/ (S+1) can be arranged for the business amount of money.
One of specific embodiment of the invention is as follows:
1, the features such as account segmenting system can use amount of settlement, traffic case according to the bank detachable son of dynamic configuration
Each bank account is divided into the sub- account of bank's main account and multiple banks by the quantity of account.
2, account distribution system is according to the service interaction number between each bank account, by whole bank's main accounts distribute to
Main account system for settling account distributes the sub- account of whole banks at most a sub- account system for settling account.When it is implemented, can be by one section
The sub- account of bank that service interaction number is higher than threshold value in time is assigned in same sub- account system for settling account.
3, clearance message is sent to main account according to the data of debit row account and the data of credit row account by route system
Family system for settling account or in which one while the sub- account system for settling account including debit row account and credit row account.
4, main account system for settling account or sub- account system for settling account are also legal to clearance message progress message format inspection, business
Property inspection and weight account inspection.
5, when clearance message is sent to sub- account system for settling account, sub- account system for settling account can by debit row account
It is compared with position with amount of settlement data, when the available position of debit row account is greater than or equal to amount of settlement data
When, sub- account system for settling account executes corresponding amount of settlement between debit row account and credit row account according to clearance message
Clearance processing.When the available position of debit row account is less than amount of settlement data, sub- account system for settling account will clear message road
By to main account system for settling account.
6, when clearance message is sent to main account system for settling account, main account system for settling account can by debit row main account
It is compared with position with amount of settlement data；When the available position of debit row main account is greater than or equal to amount of settlement data
When, main account system for settling account executes corresponding amount of settlement between debit row main account and credit row main account according to clearance message
Clearance processing.When the available position of debit row main account is less than amount of settlement data, every sub- account system for settling account will be borrowed
The available position of the sub- account of note row is alloted to debit row main account.
7, after debit row main account receives the available position of whole debit row accounts, if its available position is greater than
Or when being equal to amount of settlement data, then main account system for settling account executes debit row main account and the main account of credit row according to clearance message
Corresponding amount of settlement clearance processing between family；When debit row main account receive whole debit row accounts amount of settlement it
Afterwards, if its available position is less than amount of settlement data, main account system for settling account is put into queue queue for message is cleared, concurrently
It sends back to and holds message to transaction system informing debit row main account there are queued instructions, which is in queueing condition.When debit row
For main account there are when queued instructions, sub- account system for settling account allots the available position of debit row account to the main account of debit row
Family.
To sum up, the account segmenting system in point account processing method of the embodiment of the present invention divides each bank account
For the sub- account of bank's main account and multiple banks；Whole bank's main accounts are distributed to main account and are cleared by account distribution system
System distributes the sub- account of whole banks at most a sub- account system for settling account；Route system is sent to main account for message is cleared
System for settling account or in which a sub- account system for settling account；Main account system for settling account or sub- account system for settling account are by debit row account
It can be compared with position with amount of settlement data, debit row account and credit row account are executed according to comparison result and clearance message
Corresponding amount of settlement clearance processing, can be improved business continuance between family, support the transformation of application distribution formula, and realizing laterally can
Extension avoids generating hot spot account and avoids relying on high-end hardware and software device.
Fig. 2 is the structural block diagram of point account processing system in the embodiment of the present invention.As shown in Fig. 2, dividing account processing system
Include:
Account segmenting system, for each bank account to be divided into the sub- account of bank's main account and multiple banks
Family；
Account distribution system, for according to the service interaction number between each bank account, whole bank's main accounts to be divided
It is assigned to main account system for settling account, distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account clearance system
System and sub- account system for settling account include debit row account and credit row account；
Route system is sent to main account system for settling account or in which a sub- account system for settling account for that will clear message；
Wherein, clearance message includes amount of settlement data；
Main account system for settling account or sub- account system for settling account are used for: by the available position of debit row account and amount of settlement number
According to being compared, corresponding amount of settlement between debit row account and credit row account is executed according to comparison result and clearance message
Clearance processing.
In a kind of wherein embodiment, when clearance message is sent to sub- account system for settling account,
Sub- account system for settling account is used for: the available position of debit row account is compared with amount of settlement data；
When the available position of debit row account is greater than or equal to amount of settlement data,
Sub- account system for settling account is used for: being executed according to clearance message corresponding between debit row account and credit row account
Amount of settlement clearance processing；
When the available position of debit row account is less than amount of settlement data,
Sub- account system for settling account is used for: by clearance message routing to main account system for settling account.
In a kind of wherein embodiment, when clearance message is sent to main account system for settling account,
Main account system for settling account is used for: the available position of debit row main account is compared with amount of settlement data；
When the available position of debit row main account is greater than or equal to amount of settlement data,
Main account system for settling account is used for: being executed according to clearance message corresponding between debit row main account and credit row main account
Amount of settlement clearance processing.
In a kind of wherein embodiment, when the available position of debit row main account is less than amount of settlement data,
Every sub- account system for settling account is used to: the available position of debit row account is alloted to debit row main account；
The available position of debit row main account after receiving the available position of whole debit row accounts is greater than or waits
When amount of settlement data,
Main account system for settling account is used for: being executed according to clearance message corresponding between debit row main account and credit row main account
Amount of settlement clearance processing；
The available position of debit row main account after receiving the available position of whole debit row accounts is less than clearance
When value data,
Main account system for settling account is used for: clearance message is put into queue queue；
There are queued instructions for debit row main account.
In a kind of wherein embodiment, when debit row main account is there are when queued instructions,
Sub- account system for settling account is used for: the available position of debit row account is alloted to debit row main account.
In a kind of wherein embodiment, message is cleared further include: the data of debit row account and the data of credit row account；
Route system is specifically used for: according to the data of the data of debit row account and credit row account, by clearance message hair
Send to main account system for settling account or in which one and meanwhile include debit row account and credit row account sub- account system for settling account.
To sum up, the account segmenting system in point account processing system of the embodiment of the present invention divides each bank account
For the sub- account of bank's main account and multiple banks；Whole bank's main accounts are distributed to main account and are cleared by account distribution system
System distributes the sub- account of whole banks at most a sub- account system for settling account；Route system is sent to main account for message is cleared
System for settling account or in which a sub- account system for settling account；Main account system for settling account or sub- account system for settling account are by debit row account
It can be compared with position with amount of settlement data, debit row account and credit row account are executed according to comparison result and clearance message
Corresponding amount of settlement clearance processing, can be improved business continuance between family, support the transformation of application distribution formula, and realizing laterally can
Extension avoids generating hot spot account and avoids relying on high-end hardware and software device.
The embodiment of the invention also provides a kind of computer equipments, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor perform the steps of when executing computer program
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to master according to the service interaction number between each bank account
Account system for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account system for settling account and son
Account system for settling account includes debit row account and credit row account；
Route system is sent to main account system for settling account or in which a sub- account system for settling account for message is cleared；Wherein,
Clearing message includes amount of settlement data；
Main account system for settling account or sub- account system for settling account by the available position of debit row account and amount of settlement data into
Row compares, and executes corresponding amount of settlement clearance between debit row account and credit row account according to comparison result and clearance message
Processing.
To sum up, each bank account is divided into one by the account segmenting system in the computer equipment of the embodiment of the present invention
The sub- account of a bank's main account and multiple banks；Whole bank's main accounts are distributed to main account to clear by account distribution system
System distributes the sub- account of whole banks at most a sub- account system for settling account；Route system will clear message, and to be sent to main account clear
Calculation system or in which a sub- account system for settling account；Main account system for settling account or sub- account system for settling account by debit row account can
It is compared with position with amount of settlement data, debit row account and credit row account is executed according to comparison result and clearance message
Between corresponding amount of settlement clearance processing, business continuance can be improved, support the transformation of application distribution formula, realizing can laterally expand
Exhibition avoids generating hot spot account and avoids relying on high-end hardware and software device.
The embodiment of the invention also provides a kind of computer readable storage mediums, are stored thereon with computer program, calculate
Machine program performs the steps of when being executed by processor
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to master according to the service interaction number between each bank account
Account system for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account system for settling account and son
Account system for settling account includes debit row account and credit row account；
Route system is sent to main account system for settling account or in which a sub- account system for settling account for message is cleared；Wherein,
Clearing message includes amount of settlement data；
Main account system for settling account or sub- account system for settling account by the available position of debit row account and amount of settlement data into
Row compares, and executes corresponding amount of settlement clearance between debit row account and credit row account according to comparison result and clearance message
Processing.
To sum up, the account segmenting system in the computer readable storage medium of the embodiment of the present invention is equal by each bank account
It is divided into the sub- account of bank's main account and multiple banks；Account distribution system distributes whole bank's main accounts to main account
System for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Route system is sent to master for message is cleared
Account system for settling account or in which a sub- account system for settling account；Main account system for settling account or sub- account system for settling account are by debit row account
The available position at family is compared with amount of settlement data, executes debit row account and credit according to comparison result and clearance message
Corresponding amount of settlement clearance processing, can be improved business continuance between row account, support the transformation of application distribution formula, realize horizontal
To expansible, avoid generating hot spot account and avoid relying on high-end hardware and software device.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
Describe in detail it is bright, it should be understood that the above is only a specific embodiment of the present invention, the guarantor being not intended to limit the present invention
Range is protected, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in this
Within the protection scope of invention.
Claims (19)
1. one kind divides account processing method characterized by comprising
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to main account according to the service interaction number between each bank account
System for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, the main account system for settling account and institute
Stating sub- account system for settling account includes debit row account and credit row account；
Route system is sent to the main account system for settling account or in which a sub- account system for settling account for message is cleared；Its
In, the clearance message includes amount of settlement data；
The main account system for settling account or the sub- account system for settling account are by the available position of the debit row account and described clear
It calculates value data to be compared, the debit row account and the credit row account is executed according to comparison result and the clearance message
Corresponding amount of settlement clearance processing between family.
2. according to claim 1 point of account processing method, which is characterized in that
When the clearance message is sent to the sub- account system for settling account,
The available position of debit row account is compared by the sub- account system for settling account with the amount of settlement data；
When the available position of the debit row account is greater than or equal to the amount of settlement data,
The sub- account system for settling account executes between the debit row account and credit row account according to the clearance message
Corresponding amount of settlement clearance processing；
When the available position of the debit row account is less than the amount of settlement data,
The sub- account system for settling account is by the clearance message routing to the main account system for settling account.
3. according to claim 1 or 2 point of account processing method, which is characterized in that
When the clearance message is sent to the main account system for settling account,
The available position of debit row main account is compared by the main account system for settling account with the amount of settlement data；
When the available position of the debit row main account is greater than or equal to the amount of settlement data,
The main account system for settling account executes between the debit row main account and credit row main account according to the clearance message
Corresponding amount of settlement clearance processing.
4. according to claim 3 point of account processing method, which is characterized in that
When the available position of the debit row main account is less than the amount of settlement data,
Every sub- account system for settling account allots the available position of the debit row account to the debit row main account；
The available position of debit row main account after receiving the available position of whole debit row accounts is greater than or equal to institute
When stating amount of settlement data,
The main account system for settling account executes the debit row main account and the credit row main account according to the clearance message
Between corresponding amount of settlement clearance processing；
The available position of debit row main account after receiving the available position of whole debit row accounts is less than the clearance
When value data,
The clearance message is put into queue queue by the main account system for settling account；
There are queued instructions for the debit row main account.
5. according to claim 4 point of account processing method, which is characterized in that
When the debit row main account is there are when queued instructions, the sub- account system for settling account by the debit row account can
It is alloted with position to the debit row main account.
6. according to claim 1 point of account processing method, which is characterized in that
When one of bank's main account is in remaining sum alert status, the sub- account system for settling account is by the sub- account of the bank
Available position allot to bank's main account.
7. according to claim 1 point of account processing method, which is characterized in that the clearance message further include: debit row
The data of account and the data of credit row account；
Route system is sent to the main account system for settling account or in which a sub- account system for settling account for message is cleared, and has
Body includes:
Route system sends the clearance message according to the data of the debit row account and the data of the credit row account
It simultaneously include the sub- account of the debit row account and the credit row account to the main account system for settling account or in which one
System for settling account.
8. according to claim 1 point of account processing method, which is characterized in that
The available position of bank's main account distribution is as follows:
The available position of each sub- account distribution of bank is as follows:
Wherein, x is the available position of main account distribution, and y is the available position of every sub- account distribution, k1For big amount of money class center
Point, k2For small amount of money class central point, z is the available position of the bank account, and s is the number of sub- account.
9. according to claim 1 point of account processing method, which is characterized in that
The available position of bank's main account distribution is as follows:
The available position of each sub- account distribution of bank is as follows:
Wherein, x is the available position of main account distribution, and y is the available position of every sub- account distribution, k3For proportionality coefficient, z is
The available position of the bank account, s are the number of sub- account.
10. according to claim 1 point of account processing method, which is characterized in that
The available position of bank's main account distribution is as follows:
X=[(1- ε) × (α × η+β × λ+θ × μ)+ε] × z；
The available position of each sub- account distribution of bank is as follows:
Wherein, x is the available position of main account distribution, and y is the available position of every sub- account distribution, and ε is that first three days estimation is inclined
Poor compensation coefficient, α are the first coefficient, and β is the second coefficient, and θ is third coefficient, and alpha+beta+θ=1, η are big amount of money section business in 1 year
Total amount accounting, λ is the total amount accounting of big amount of money section business in January, and μ is total gold of big amount of money section business in upper one year
Volume accounting, z are the available position of the bank account, and s is the number of sub- account, and the big amount of money section business is that the amount of money is greater than in advance
If the business of the amount of money.
11. one kind divides account processing system characterized by comprising
Account segmenting system, for each bank account to be divided into the sub- account of bank's main account and multiple banks；
Account distribution system, for according to the service interaction number between each bank account, by whole bank's main accounts distribute to
Main account system for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, main account clearance system
System and the sub- account system for settling account include debit row account and credit row account；
Route system is sent to the main account system for settling account or in which a sub- account clearance system for that will clear message
System；Wherein, the clearance message includes amount of settlement data；
The main account system for settling account or the sub- account system for settling account are used for: by the available position of the debit row account and institute
It states amount of settlement data to be compared, the debit row account and the credit is executed according to comparison result and the clearance message
Corresponding amount of settlement clearance processing between row account.
12. according to claim 11 point of account processing system, which is characterized in that
When the clearance message is sent to the sub- account system for settling account,
The sub- account system for settling account is used for: the available position of debit row account and the amount of settlement data are compared
Compared with；
When the available position of the debit row account is greater than or equal to the amount of settlement data,
The sub- account system for settling account is used for: executing the debit row account and credit row account according to the clearance message
Between corresponding amount of settlement clearance processing；
When the available position of the debit row account is less than the amount of settlement data,
The sub- account system for settling account is used for: by the clearance message routing to the main account system for settling account.
13. according to claim 11 or 12 point of account processing system, which is characterized in that
When the clearance message is sent to the main account system for settling account,
The main account system for settling account is used for: the available position of debit row main account and the amount of settlement data are compared
Compared with；
When the available position of the debit row main account is greater than or equal to the amount of settlement data,
The main account system for settling account is used for: executing the debit row main account and credit row main account according to the clearance message
Between corresponding amount of settlement clearance processing.
14. according to claim 13 point of account processing system, which is characterized in that
When the available position of the debit row main account is less than the amount of settlement data,
Every sub- account system for settling account is used to: the available position of the debit row account is alloted to the main account of debit row
Family；
The available position of debit row main account after receiving the available position of whole debit row accounts is greater than or equal to institute
When stating amount of settlement data,
The main account system for settling account is used for: executing the debit row main account and the credit row master according to the clearance message
Corresponding amount of settlement clearance processing between account；
The available position of debit row main account after receiving the available position of whole debit row accounts is less than the clearance
When value data,
The main account system for settling account is used for: the clearance message is put into queue queue；
There are queued instructions for the debit row main account.
15. according to claim 14 point of account processing system, which is characterized in that
When the debit row main account is there are when queued instructions,
The sub- account system for settling account is used for: the available position of the debit row account is alloted to the main account of debit row
Family.
16. according to claim 11 point of account processing system, which is characterized in that
When one of bank's main account is in remaining sum alert status,
The sub- account system for settling account is used for: the available position of the sub- account of the bank is alloted to bank's main account.
17. according to claim 11 point of account processing system, which is characterized in that the clearance message further include: debit
The data of row account and the data of credit row account；
The route system is specifically used for: according to the data of the data of the debit row account and the credit row account, by institute
It states clearance message and is sent to the main account system for settling account or in which one simultaneously including the debit row account and the credit
The sub- account system for settling account of row account.
18. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, which is characterized in that the processor performs the steps of when executing the computer program
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to main account according to the service interaction number between each bank account
System for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, the main account system for settling account and institute
Stating sub- account system for settling account includes debit row account and credit row account；
Route system is sent to the main account system for settling account or in which a sub- account system for settling account for message is cleared；Its
In, the clearance message includes amount of settlement data；
The main account system for settling account or the sub- account system for settling account are by the available position of the debit row account and described clear
It calculates value data to be compared, the debit row account and the credit row account is executed according to comparison result and the clearance message
Corresponding amount of settlement clearance processing between family.
19. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
It is performed the steps of when being executed by processor
Each bank account is divided into the sub- account of bank's main account and multiple banks by account segmenting system；
Account distribution system distributes whole bank's main accounts to main account according to the service interaction number between each bank account
System for settling account distributes the sub- account of whole banks at most a sub- account system for settling account；Wherein, the main account system for settling account and institute
Stating sub- account system for settling account includes debit row account and credit row account；
Route system is sent to the main account system for settling account or in which a sub- account system for settling account for message is cleared；Its
In, the clearance message includes amount of settlement data；
The main account system for settling account or the sub- account system for settling account are by the available position of the debit row account and described clear
It calculates value data to be compared, the debit row account and the credit row account is executed according to comparison result and the clearance message
Corresponding amount of settlement clearance processing between family.
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