CN110458537A - Golden transaction processing method and device out - Google Patents
Golden transaction processing method and device out Download PDFInfo
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- CN110458537A CN110458537A CN201910586344.8A CN201910586344A CN110458537A CN 110458537 A CN110458537 A CN 110458537A CN 201910586344 A CN201910586344 A CN 201910586344A CN 110458537 A CN110458537 A CN 110458537A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The application proposes a kind of gold transaction processing method and device out, and wherein method includes: the service request golden out by obtaining target Third-party payment mechanism, and gold service request includes the mark of the gold amount of money and target Third-party payment mechanism out out；It traverses the corresponding second level of target Third-party payment mechanism and goes out golden account；If whole second level goes out fund in golden account and respectively less than goes out the golden amount of money, the fund that whole second level goes out in gold account is collected into the first order and is gone out in golden account, wherein it is higher than the fund on the second level out golden account that the first order after collecting goes out the fund in golden account；The first order after collecting go out in golden account to reduce it is described go out the golden amount of money, and according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and be committed to target Third-party payment mechanism.Go out golden account as a result, so as to specially establish the first order that a reply wholesale goes out golden business for target Third-party payment mechanism, effectively improves out golden transaction processing efficiency.
Description
Technical field
This application involves technical field of data processing more particularly to a kind of transaction processing methods golden out and device.
Background technique
Currently, with the fast development of Internet technology and terminal device, by installing third party's branch in terminal device
It pays application program completion and the transaction such as pay, transfers accounts and popularize very much.For the considerations of managing the disengaging of hospitable family excess reserve, establish
Excess reserve system, initiate more of the Third-party payment mechanism that excess reserve system handles magnanimity in real time go out golden business.
The relevant technologies go out golden demand in, in order to meet wholesale, and excess reserve system establishes a dedicated wholesale and goes out golden account
Number.When multiple Third-party payment mechanisms have wholesale to go out golden demand, excess reserve system in chronological sequence sequentially successively handles each
What Third-party payment mechanism initiated goes out golden business, and the Third-party payment mechanism to sort rearward needs to wait long time that could complete
Golden business out, response speed is slow, and golden transaction processing efficiency is low out.
Apply for content
The application is intended to solve at least some of the technical problems in related technologies.
For this purpose, first purpose of the application is to propose a kind of transaction processing method golden out.
Second purpose of the application is to propose a kind of traction processing apparatus golden out.
The third purpose of the application is to propose another traction processing apparatus golden out.
The 4th purpose of the application is to propose a kind of excess reserve system.
The 5th purpose of the application is to propose a kind of computer readable storage medium.
The 6th purpose of the application is to propose a kind of computer program product.
In order to achieve the above object, the application first aspect embodiment proposes a kind of transaction processing method golden out, comprising:
The golden service request that goes out of target Third-party payment mechanism is obtained, the service request golden out includes the golden amount of money and mesh
Mark the mark of Third-party payment mechanism；
It traverses the corresponding second level of target Third-party payment mechanism and goes out golden account；
If the second level of whole, which goes out fund in golden account, is respectively less than the amount of money golden out, whole second level is gone out into golden account
Fund on number collects the first order and goes out in golden account, wherein the fund that the first order after collecting goes out in golden account compares the second level
Fund out in golden account is high；
The first order after collecting goes out in golden account to reduce the amount of money golden out, and according to the target third party branch
Pay mechanism mark will reduce described in go out the golden amount of money and be committed to target Third-party payment mechanism.
In one possible implementation, the method also includes:
Establish distributed account system, wherein each Third-party payment mechanism corresponds to the account golden out of different stage.
In one possible implementation, the method also includes:
If the second level currently traversed, which goes out fund in golden account, is greater than or equal to the amount of money golden out, from what is currently traversed
The second level goes out in golden account to reduce the amount of money golden out.
In one possible implementation, the first order described after collecting go out in golden account to reduce it is described go out
Before the amount of money, further includes:
The fund of determination collects success.
In one possible implementation, the determining fund, which collects, successfully includes:
The fund that the second level of determining whole within a preset period of time goes out in golden account collects the first order and goes out in gold account,
And the fund that the first order after collecting goes out in golden account is greater than or equal to the amount of money golden out.
In one possible implementation, the first order described after collecting go out in golden account to reduce it is described go out
Before the amount of money, further includes:
If fund collects failure, the fund that the first order after collecting goes out in golden account is restored to each second level
Out in golden account.
In one possible implementation, it is described will collect after the fund that goes out in golden account of the first order be restored to
Each second level goes out in golden account
Gone out in golden account according to each second level before collecting, the fund that the first order after collecting goes out in golden account is returned
Also go out in golden account to each second level, the second level after return go out in golden account fund with collect it is preceding identical.
In one possible implementation, described in being reduced according to the mark of target Third-party payment mechanism
The golden amount of money is committed to after target Third-party payment mechanism out, further includes:
The first order after reducing goes out surplus capital in golden account and returns to each second level golden account out.
In one possible implementation, go out in golden account to reduce the gold gold out in the first order after collecting
After volume, further includes:
It is successfully that golden stateful transaction, which is provided,.
The embodiment of the present application goes out golden transaction processing method, and the golden business that goes out by obtaining target Third-party payment mechanism is asked
It asks, the service request golden out includes the mark of the golden amount of money and target Third-party payment mechanism out；Traverse the target third party
The corresponding second level of payment mechanism goes out golden account；If the second level of whole, which goes out fund in golden account, is respectively less than the amount of money golden out,
The fund that whole second level goes out in golden account is then collected the first order to go out in golden account, wherein the first order after collecting goes out
Fund in golden account is higher than the fund on the second level out golden account；The first order after collecting, which goes out in golden account, reduces institute
State out the golden amount of money, and according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and be committed to the mesh
Mark Third-party payment mechanism.Go out gold as a result, so as to specially establish a reply wholesale for target Third-party payment mechanism
The first order of business goes out golden account, effectively improves out golden transaction processing efficiency.Especially when the multiple Third-party payments of appearance
When mechanism has wholesale to go out golden demand, golden business can be gone out with the wholesale of each Third-party payment mechanism of parallel processing, compared to related skill
In chronological sequence sequence successively goes out the mode that golden account reduces the corresponding amount of money from dedicated wholesale in art, can effectively cope with transaction
Instantaneous massive concurrent, fast response time improves out golden transaction processing efficiency.
In order to achieve the above object, the application second aspect embodiment proposes a kind of traction processing apparatus golden out, comprising:
Module is obtained, for obtaining the golden service request that goes out of target Third-party payment mechanism, the Jin Yewuqingqiubao out
Include the mark of the amount of money and target Third-party payment mechanism；
Spider module goes out golden account for traversing the corresponding second level of target Third-party payment mechanism；
Module is collected, it, will be whole if the second level for whole goes out fund in golden account and is respectively less than the amount of money golden out
The fund that goes out in golden account of the second level collect the first order and go out in golden account, wherein the first order after collecting goes out in golden account
Fund than the second level to go out the fund in golden account high；
Module is reduced, goes out in golden account to reduce the amount of money golden out for the first order after collecting；
Transfer module, for according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and transfer
Give target Third-party payment mechanism.
In one possible implementation, described device further include:
Module is established, for establishing distributed account system, wherein each Third-party payment mechanism corresponds to different stage
Golden account out.
In one possible implementation, described device further include:
It is described to reduce module, if the second level for being also used to currently traverse goes out fund in golden account and is greater than or equal to the gold out
The amount of money then goes out in golden account from the second level currently traversed and reduces the amount of money golden out.
In one possible implementation, described device further include:
Determining module, for the first order after collecting go out in golden account to reduce it is described go out the golden amount of money it
Before, the fund of determination collects success.
In one possible implementation, the determining module is specifically used for:
The fund that the second level of determining whole within a preset period of time goes out in golden account collects the first order and goes out in gold account,
And the fund that the first order after collecting goes out in golden account is greater than or equal to the amount of money golden out.
In one possible implementation, described device further include:
First returns module, if collecting failure for fund, the first order after collecting goes out the money in golden account
Gold is restored to each second level and goes out in golden account.
In one possible implementation, the first return module is specifically used for:
Gone out in golden account according to each second level before collecting, the fund that the first order after collecting goes out in golden account is returned
Also go out in golden account to each second level, the second level after return go out in golden account fund with collect it is preceding identical.
In one possible implementation, described device further include:
Second return module, for according to the mark of target Third-party payment mechanism will reduce described in go out gold gold
Volume is committed to after target Third-party payment mechanism, and the first order after reducing goes out surplus capital in golden account and returns
Go out golden account to each second level.
In one possible implementation, described device further include:
Setup module, after reducing the amount of money golden out in the first order after collecting out golden account, if
Setting out golden stateful transaction is successfully.
The embodiment of the present application goes out golden traction processing apparatus, and the golden business that goes out by obtaining target Third-party payment mechanism is asked
It asks, the service request golden out includes the mark of the golden amount of money and target Third-party payment mechanism out；Traverse the target third party
The corresponding second level of payment mechanism goes out golden account；If the second level of whole, which goes out fund in golden account, is respectively less than the amount of money golden out,
The fund that whole second level goes out in golden account is then collected the first order to go out in golden account, wherein the first order after collecting goes out
Fund in golden account is higher than the fund on the second level out golden account；The first order after collecting, which goes out in golden account, reduces institute
State out the golden amount of money, and according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and be committed to the mesh
Mark Third-party payment mechanism.Go out gold as a result, so as to specially establish a reply wholesale for target Third-party payment mechanism
The first order of business goes out golden account, effectively improves out golden transaction processing efficiency.Especially when the multiple Third-party payments of appearance
When mechanism has wholesale to go out golden demand, golden business can be gone out with the wholesale of each Third-party payment mechanism of parallel processing, compared to related skill
In chronological sequence sequence successively goes out the mode that golden account reduces the corresponding amount of money from dedicated wholesale in art, can effectively cope with transaction
Instantaneous massive concurrent, fast response time improves out golden transaction processing efficiency.
In order to achieve the above object, the application third aspect embodiment proposes another traction processing apparatus golden out, comprising: deposit
Reservoir, processor and storage are on a memory and the computer program that can run on a processor, which is characterized in that the processing
Device realizes transaction processing method golden out as described above when executing described program.
In order to achieve the above object, the application fourth aspect embodiment proposes a kind of excess reserve system, comprising: memory, place
The computer program managing device and storage on a memory and can running on a processor, which is characterized in that the processor executes
Transaction processing method golden out as described above is realized when described program.
To achieve the goals above, the 5th aspect embodiment of the application proposes a kind of computer readable storage medium,
On be stored with computer program, realized when which is executed by processor it is as described above go out golden transaction processing method.
To achieve the goals above, the 6th aspect embodiment of the application proposes a kind of computer program product, when described
When instruction processing unit in computer program product executes, transaction processing method golden out as described above is realized.
The additional aspect of the application and advantage will be set forth in part in the description, and will partially become from the following description
It obtains obviously, or recognized by the practice of the application.
Detailed description of the invention
The application is above-mentioned and/or additional aspect and advantage will become from the following description of the accompanying drawings of embodiments
Obviously and it is readily appreciated that, in which:
Fig. 1 is a kind of flow diagram of transaction processing method golden out provided by the embodiments of the present application；
Fig. 2 is a kind of flow diagram of transaction processing method golden out provided by the embodiments of the present application；
Fig. 3 is a kind of structural schematic diagram of traction processing apparatus golden out provided by the embodiments of the present application；
Fig. 4 is the structural schematic diagram of another traction processing apparatus golden out provided by the embodiments of the present application；
Fig. 5 is the structural schematic diagram of another traction processing apparatus golden out provided by the embodiments of the present application；
Fig. 6 is a kind of structural schematic diagram of excess reserve system provided by the embodiments of the present application.
Specific embodiment
Embodiments herein is described below in detail, examples of the embodiments are shown in the accompanying drawings, wherein from beginning to end
Same or similar label indicates same or similar element or element with the same or similar functions.Below with reference to attached
The embodiment of figure description is exemplary, it is intended to for explaining the application, and should not be understood as the limitation to the application.
Below with reference to the accompanying drawings describe the embodiment of the present application goes out golden transaction processing method and device.
Fig. 1 is a kind of flow diagram of transaction processing method golden out provided by the embodiments of the present application.As shown in Figure 1, should
Out golden transaction processing method the following steps are included:
Step 101, the golden service request that goes out for obtaining target Third-party payment mechanism, the service request golden out includes gold
The mark of the amount of money and target Third-party payment mechanism.
Specifically, target Third-party payment mechanism initiates out golden service request, excess reserve system is receiving out golden business
It is drawn according to the mark of target Third-party payment mechanism to target Third-party payment mechanism to target Third-party payment mechanism after request
Dial the corresponding amount of money golden out.
Wherein, the mark of target Third-party payment mechanism is for identifying the uniqueness of target Third-party payment mechanism, target
The title or Institution Code of the mark of Third-party payment mechanism for example, target Third-party payment mechanism.
Step 102, the corresponding second level of traversal target Third-party payment mechanism go out golden account.
Specifically, going out golden business for the multiple Third-party payment mechanisms of parallel processing, the processing effect of gold transaction is improved out
Rate, excess reserve system establish distributed account system, for each Third-party payment mechanism, establish going out for different stage
Golden account.
In different application scenarios, the distributed account system established is different.
As an example, in distributed account system, for each Third-party payment mechanism, first is established respectively
Rank goes out golden account, second level goes out golden account, third level goes out golden account.The quantity for going out golden account of each rank is unlimited,
For example, the quantity that the first order goes out golden account is one or more, the quantity that the second level goes out golden account is one or more, the third level
The quantity of golden account is one or more out.
Wherein, first level goes out golden account and goes out golden business for coping with wholesale, effectively prevent frequently alloting for fund.
Wherein, the golden account that goes out of second level is used for equal business golden out in reply.
Wherein, the golden account that goes out of third level goes out golden business for coping with small amount.
It should be pointed out that it is to go out the account of fund in golden account for collecting each second level that first level, which goes out golden account,
Number, fund collects demand if it does not exist, and it is empty account (fund 0) that first level, which goes out golden account, reduces the occupation of capital；If depositing
Demand is collected in fund, it is the summation that whole second levels goes out fund in golden account that first level, which goes out fund in golden account,.
It should be pointed out that the fund in golden account that goes out of third level is less than fund in the account golden out of second level.
It is understood that excess reserve system when going out golden business, will preferentially go out in processing target Third-party payment mechanism
The corresponding amount of money golden out of golden business goes out golden account with each third level and is matched；A third level goes out the money of golden account if it exists
It is golden sufficient, i.e., it is greater than or equal to the corresponding amount of money golden out of gold business in the presence of the fund on a third level out golden account, then will
Go out in golden account from the third level of the abundance of capital and reduce out the golden amount of money, and the golden amount of money that goes out reduced is committed to and target third party
Payment mechanism.
If whole third level goes out, fund in golden account is insufficient, i.e., the fund that none third level goes out golden account is greater than
Or it is equal to the corresponding amount of money golden out of golden business, it at this moment traverses the corresponding second level of target Third-party payment mechanism and goes out golden account,
According to traversing result decision how to target Third-party payment mechanism allotted fund.
If the second level that traversing result is whole goes out in golden account, fund is insufficient, thens follow the steps 103.If traversing result
For there are the second level of the abundance of capital to go out golden account, the method also includes following steps:
If the second level currently traversed, which goes out fund in golden account, is greater than or equal to the amount of money golden out, from what is currently traversed
The second level goes out in golden account to reduce the amount of money golden out, and the institute that will be reduced according to the mark of target Third-party payment mechanism
It states out the golden amount of money and is committed to target Third-party payment mechanism.
Specifically, the second level currently traversed goes out golden account if the second level currently traversed goes out the abundance of capital in golden account
Number upper fund is greater than or equal to the golden amount of money, illustrates that no fund collects demand, then goes out golden account from the second level currently traversed
On reduce described to go out the golden amount of money and to be committed to target Third-party payment mechanism.
If the second level of step 103, whole, which goes out fund in golden account, is respectively less than the amount of money golden out, by whole second
The fund that grade goes out in golden account collects the first order and goes out in golden account, wherein the first order after collecting goes out the fund in golden account
It is high to go out the fund in golden account than the second level.
It is understood that fund collects and refers to the fund in multiple accounts is collected into the same account.
Specifically, if the second level that traversing result is whole goes out, fund in golden account is insufficient, i.e., the second level goes out golden account
Upper fund is respectively less than the golden amount of money, illustrates to collect demand there are fund, at this moment, it is complete that each second level is gone out the fund in golden account
Portion collects the first order and goes out in golden account.Wherein, the first order after collecting goes out fund in golden account and is higher than each second level gold out
Account, and it is equal to the summation that whole second level goes out fund in golden account.
Further, speed is collected in order to improve fund, is gone out each second level in golden account in a manner of parallel processing
Fund all collect the first order and go out in golden account.
Step 104, the first order after collecting go out in golden account to reduce the amount of money golden out, and according to the target
The mark of Third-party payment mechanism goes out the golden amount of money and is committed to target Third-party payment mechanism described in reducing.
Specifically, the first order after collecting goes out the golden account abundance of capital, wholesale can be coped with and go out golden business.Fund has collected
The first order after collecting is gone out in golden account to reduce out the golden amount of money and is committed to target Third-party payment mechanism by Cheng Hou.
Further, after step 104, the method also includes following steps: the first order after reducing goes out
Surplus capital returns to each second level golden account out in golden account.
In practical situation, excess reserve system handles the business golden out of the magnanimity of each Third-party payment mechanism in real time.For
Guarantee each pen goes out golden business and goes on smoothly, excess reserve system handle it is current go out golden business after, the first order is gone out into gold account
Surplus capital on number returns to each second level and goes out golden account, so that each second level is gone out golden account and becomes the abundance of capital again
State, each second level of the abundance of capital goes out the gold out that golden account can also handle subsequent each pen of Third-party payment mechanism again
The qualified business golden out of the amount of money.For example, the subsequent golden amount of money that goes out for having pen to go out golden business is 10,000, there are a second level to go out
Fund in golden account is 20,000, then the second level can be gone out to golden account and transferred.
Further, in order to reinforce golden trade management out, golden business is provided goes out golden stateful transaction.After collecting
The first order goes out in golden account to reduce out after the gold amount of money, the method also includes: it is successfully that golden stateful transaction, which is provided,.
Transaction processing method golden out provided by the embodiments of the present application passes through the industry golden out for obtaining target Third-party payment mechanism
Business request, the service request golden out include the mark of the golden amount of money and target Third-party payment mechanism out；Traverse the target
The corresponding second level of tripartite's payment mechanism goes out golden account；If the second level of whole, which goes out fund in golden account, is respectively less than the gold gold out
The fund that whole second level goes out in golden account is then collected the first order and gone out in golden account, wherein the first order after collecting by volume
The fund in golden account is higher than the fund on the second level out golden account out；The first order after collecting, which goes out in golden account, reduces
It is described go out the golden amount of money, and according to the mark of target Third-party payment mechanism will reduce described in go out described in the golden amount of money is committed to
Target Third-party payment mechanism.Go out as a result, so as to specially establish a reply wholesale for target Third-party payment mechanism
The first order of golden business goes out golden account, effectively improves out golden transaction processing efficiency.Especially when the multiple third party's branch of appearance
When paying mechanism has wholesale to go out golden demand, golden business can be gone out with the wholesale of each Third-party payment mechanism of parallel processing, compared to correlation
In chronological sequence sequence successively goes out the mode that golden account reduces the corresponding amount of money from dedicated wholesale in technology, can effectively cope with friendship
Easy instantaneous massive concurrent, fast response time improve out golden transaction processing efficiency.
Fig. 2 be it is provided by the embodiments of the present application another go out the flow diagram of golden transaction processing method.As shown in Fig. 2,
Golden transaction processing method should be gone out the following steps are included:
Step 201, the golden service request that goes out for obtaining target Third-party payment mechanism, the service request golden out includes gold
The mark of the amount of money and target Third-party payment mechanism.
Step 202, the corresponding second level of traversal target Third-party payment mechanism go out golden account.
If the second level of step 203, whole, which goes out fund in golden account, is respectively less than the amount of money golden out, by whole second
The fund that grade goes out in golden account collects the first order and goes out in golden account, wherein the first order after collecting goes out the fund in golden account
It is high to go out the fund in golden account than the second level.
It should be pointed out that the implementation of step 201, step 202, step 203 is respectively and in embodiment shown in FIG. 1
Step 101, step 102, the implementation of step 103 it is identical, details are not described herein.
Step 204, the fund of determination collect success.
Specifically, going out in golden account in the first order after collecting and detaining to guarantee that wholesale goes out going on smoothly for golden business
Before subtracting the golden amount of money out, need to judge whether fund collects success.
In different application scenarios, it is different that the fund of determination collects successful mode.
As an example, determining to provide in order to guarantee that golden transaction processing efficiency and wholesale go out going on smoothly for golden business out
Gold collects successful mode are as follows: the fund for determining that the second level whole within a preset period of time goes out in golden account collects the first order
The fund that the first order out in golden account, and after collecting goes out in golden account be greater than or equal to it is described go out the golden amount of money.
Specifically, constraining fund to collect the time to guarantee golden transaction processing efficiency out.Wherein, preset time period root
It is set according to practical situation, for example, 1 minute.
The first order specifically, if gold collects in place within a preset period of time, and after collecting goes out the abundance of capital of golden account,
The current business golden out of excess reserve system processing.Conversely, if gold does not collect in place within a preset period of time, alternatively, in preset time
Gold collects in place in section, but the first order after collecting goes out the insufficient funds of golden account, end processing it is current go out golden business.
Step 205, the first order after collecting go out in golden account to reduce the amount of money golden out, and according to the target
The mark of Third-party payment mechanism goes out the golden amount of money and is committed to target Third-party payment mechanism described in reducing.
It should be pointed out that the implementation of step 205 and the implementation of the step 104 in embodiment shown in FIG. 1
Identical, details are not described herein.
Further, the first order described after collecting goes out in golden account to reduce before the amount of money golden out, if
Fund collects failure, then the fund that the first order after collecting goes out in golden account is restored to each second level and goes out golden account
On.
Specifically, if gold does not collect in place within a preset period of time, alternatively, gold collects in place within a preset period of time, but
The first order after collecting goes out the insufficient funds of golden account, at this moment, it is believed that fund collects failure.
Since what excess reserve system handled magnanimity in real time goes out golden business, when fund collects unsuccessfully, after collecting described the
The fund that level-one goes out in golden account is restored to each second level and goes out in golden account, so that each second level is gone out golden account and becomes to provide again
The sufficient state of gold, each second level grade of the abundance of capital, which goes out golden account, again can also handle subsequent each pen golden business out.Example
Such as, the subsequent golden amount of money that goes out for having pen to go out golden business is 10,000, and going out fund in golden account there are a second level is 20,000, then can will
The second level goes out fund in golden account and is transferred.
It should be pointed out that can randomly be returned when fund is returned, it can also be according to each second level before collecting
Out in golden account, the fund that the first order after collecting goes out in golden account is restored to each second level and goes out in golden account, returns
The second level after also go out in golden account fund with collect preceding identical, but be not limited thereto.
Further, in order to reinforce golden trade management out, golden business is provided goes out golden stateful transaction.For example, from returning
The first order after collection goes out in golden account to reduce out after the gold amount of money, and it is successfully that golden stateful transaction, which is provided,.For example, if fund collects
Golden state is provided as failure in failure.
Transaction processing method golden out provided by the embodiments of the present application, in order to guarantee that wholesale goes out going on smoothly for golden business, In
The first order after collecting goes out in golden account before reducing out the golden amount of money, it is thus necessary to determine that fund collects success.Further, if money
Gold collects failure, then the fund that the first order after collecting goes out in golden account is restored to each second level and goes out in golden account, makes
Each second level goes out the state that golden account becomes the abundance of capital again, and each second level grade of the abundance of capital goes out golden account also again
It is capable of handling subsequent each pen and goes out golden business, to guarantee being normally carried out for magnanimity transaction.
Fig. 3 is a kind of structural schematic diagram of traction processing apparatus provided by the embodiments of the present application.As shown in figure 3, the transaction
Processing unit includes: to obtain module 11, spider module 12, collect module 13, reduce module 14, transfer module 15.
Module 11 is obtained, for obtaining the golden service request that goes out of target Third-party payment mechanism, the service request golden out
Mark including going out the golden amount of money and target Third-party payment mechanism；
Spider module 12 goes out golden account for traversing the corresponding second level of target Third-party payment mechanism；
Module 13 is collected, it, will be complete if the second level for whole goes out fund in golden account and is respectively less than the amount of money golden out
The fund that the second level in portion goes out in golden account collects the first order and goes out in golden account, wherein the first order after collecting goes out golden account
On fund than the second level to go out the fund in golden account high；
Module 14 is reduced, goes out in golden account to reduce the amount of money golden out for the first order after collecting；
Transfer module 15, for according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and draw
Set aside target Third-party payment mechanism.
In one possible implementation, described device further include:
Module is established, for establishing distributed account system, wherein each Third-party payment mechanism corresponds to different stage
Golden account out.
In one possible implementation, described device further include:
It is described to reduce module 14, if the second level for being also used to currently traverse goes out fund in golden account and goes out more than or equal to described in
The amount of money then goes out in golden account from the second level currently traversed and reduces the amount of money golden out.
In one possible implementation, described device further include:
Second return module, for according to the mark of target Third-party payment mechanism will reduce described in go out gold gold
Volume is committed to after target Third-party payment mechanism, and the first order after reducing goes out surplus capital in golden account and returns
Go out golden account to each second level.
In one possible implementation, described device further include:
Setup module, after reducing the amount of money golden out in the first order after collecting out golden account, if
Setting out golden stateful transaction is successfully.
It should be noted that aforementioned be also applied for the embodiment to the explanation for going out golden transaction processing method embodiment
Golden traction processing apparatus out, realization principle is similar, and details are not described herein again.
The traction processing apparatus of the embodiment of the present application, by obtaining the service request golden out of target Third-party payment mechanism,
The service request golden out includes the mark of the golden amount of money and target Third-party payment mechanism out；Traverse the target Third-party payment
The corresponding second level of mechanism goes out golden account；If the second level of whole, which goes out fund in golden account, is respectively less than the amount of money golden out, will
The fund that whole second level goes out in golden account collects the first order and goes out in golden account, wherein the first order after collecting goes out golden account
Fund on number is higher than the fund on the second level out golden account；The first order after collecting goes out described in going out in golden account to reduce
The amount of money, and according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and be committed to the target the
Tripartite's payment mechanism.Go out golden business as a result, so as to specially establish a reply wholesale for target Third-party payment mechanism
The first order go out golden account, effectively improve out golden transaction processing efficiency.Especially when the multiple Third-party payment mechanisms of appearance
When thering is wholesale to go out golden demand, golden business can be gone out with the wholesale of each Third-party payment mechanism of parallel processing, compared in the related technology
In chronological sequence sequence successively goes out the mode that golden account reduces the corresponding amount of money from dedicated wholesale, can effectively cope with the wink of transaction
When massive concurrent, fast response time improves out golden transaction processing efficiency.
Fig. 4 is the structural schematic diagram of another traction processing apparatus provided by the embodiments of the present application.As shown in figure 4, in Fig. 3
On the basis of illustrated embodiment, the traction processing apparatus further include: determining module 16.
Determining module 16, for the first order after collecting go out in golden account to reduce it is described go out the golden amount of money it
Before, the fund of determination collects success.
In one possible implementation, the determining module 16 is specifically used for:
The fund that the second level of determining whole within a preset period of time goes out in golden account collects the first order and goes out in gold account,
And the fund that the first order after collecting goes out in golden account is greater than or equal to the amount of money golden out.
In one possible implementation, described device further include:
First returns module, if collecting failure for fund, the first order after collecting goes out the money in golden account
Gold is restored to each second level and goes out in golden account.
In one possible implementation, the first return module is specifically used for:
Gone out in golden account according to each second level before collecting, the fund that the first order after collecting goes out in golden account is returned
Also go out in golden account to each second level, the second level after return go out in golden account fund with collect it is preceding identical.
It should be noted that aforementioned be also applied for the embodiment to the explanation for going out golden transaction processing method embodiment
Golden traction processing apparatus out, realization principle is similar, and details are not described herein again.
The traction processing apparatus of the embodiment of the present application, in order to guarantee that wholesale goes out going on smoothly for golden business, after collecting
The first order go out in golden account to reduce out before the golden amount of money, it is thus necessary to determine that fund collects success.Further, if fund collects mistake
It loses, then the fund that the first order after collecting goes out in golden account is restored to each second level and goes out in golden account, makes each second
Grade goes out the state that golden account becomes the abundance of capital again, and each second level grade of the abundance of capital goes out golden account and can also handle again
Subsequent each pen goes out golden business, to guarantee being normally carried out for magnanimity transaction.
Fig. 5 is the structural schematic diagram of another traction processing apparatus golden out provided by the embodiments of the present application.Gold transaction should be gone out
Processing unit includes:
Memory 1001, processor 1002 and it is stored in the calculating that can be run on memory 1001 and on processor 1002
Machine program.
Processor 1002 realizes that is provided in above-described embodiment goes out golden transaction processing method when executing described program.
Further, golden traction processing apparatus out further include:
Communication interface 1003, for the communication between memory 1001 and processor 1002.
Memory 1001, for storing the computer program that can be run on processor 1002.
Memory 1001 may include high speed RAM memory, it is also possible to further include nonvolatile memory (non-
Volatile memory), a for example, at least magnetic disk storage.
Processor 1002 is realized when for executing described program and goes out golden transaction processing method described in above-described embodiment.
If memory 1001, processor 1002 and the independent realization of communication interface 1003, communication interface 1003, memory
1001 and processor 1002 can be connected with each other by bus and complete mutual communication.The bus can be industrial standard
Architecture (Industry Standard Architecture, referred to as ISA) bus, external equipment interconnection
(Peripheral Component, referred to as PCI) bus or extended industry-standard architecture (Extended Industry
Standard Architecture, referred to as EISA) bus etc..The bus can be divided into address bus, data/address bus, control
Bus processed etc..Only to be indicated with a thick line in Fig. 5, it is not intended that an only bus or a type of convenient for indicating
Bus.
Optionally, in specific implementation, if memory 1001, processor 1002 and communication interface 1003, are integrated in one
It is realized on block chip, then memory 1001, processor 1002 and communication interface 1003 can be completed mutual by internal interface
Communication.
Processor 1002 may be a central processing unit (Central Processing Unit, referred to as CPU), or
Person is specific integrated circuit (Application Specific Integrated Circuit, referred to as ASIC) or quilt
It is configured to implement one or more integrated circuits of the embodiment of the present application.
Fig. 6 is the structural schematic diagram of excess reserve system provided by the embodiments of the present application.The excess reserve system includes:
Memory 2001, processor 2002 and it is stored in the calculating that can be run on memory 2001 and on processor 2002
Machine program.
Processor 2002 realizes that is provided in above-described embodiment goes out golden transaction processing method when executing described program.
Further, excess reserve system further include:
Communication interface 2003, for the communication between memory 2001 and processor 2002.
Memory 2001, for storing the computer program that can be run on processor 2002.
Memory 2001 may include high speed RAM memory, it is also possible to further include nonvolatile memory (non-
Volatile memory), a for example, at least magnetic disk storage.
Processor 2002 is realized when for executing described program and goes out golden transaction processing method described in above-described embodiment.
If memory 2001, processor 2002 and the independent realization of communication interface 2003, communication interface 2003, memory
2001 and processor 2002 can be connected with each other by bus and complete mutual communication.The bus can be industrial standard
Architecture (Industry Standard Architecture, referred to as ISA) bus, external equipment interconnection
(Peripheral Component, referred to as PCI) bus or extended industry-standard architecture (Extended Industry
Standard Architecture, referred to as EISA) bus etc..The bus can be divided into address bus, data/address bus, control
Bus processed etc..Only to be indicated with a thick line in Fig. 6, it is not intended that an only bus or a type of convenient for indicating
Bus.
Optionally, in specific implementation, if memory 2001, processor 2002 and communication interface 2003, are integrated in one
It is realized on block chip, then memory 2001, processor 2002 and communication interface 2003 can be completed mutual by internal interface
Communication.
Processor 2002 may be a central processing unit (Central Processing Unit, referred to as CPU), or
Person is specific integrated circuit (Application Specific Integrated Circuit, referred to as ASIC) or quilt
It is configured to implement one or more integrated circuits of the embodiment of the present application.
The application also provides a kind of computer readable storage medium, is stored thereon with computer program, and the program is processed
Transaction processing method golden out as described above is realized when device executes.
The application also provides a kind of computer program product, when the instruction processing unit in the computer program product executes
When, realize transaction processing method golden out as described above.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is contained at least one embodiment or example of the application.In the present specification, schematic expression of the above terms are not
It must be directed to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be in office
It can be combined in any suitable manner in one or more embodiment or examples.In addition, without conflicting with each other, the skill of this field
Art personnel can tie the feature of different embodiments or examples described in this specification and different embodiments or examples
It closes and combines.
In addition, term " first ", " second " are used for descriptive purposes only and cannot be understood as indicating or suggesting relative importance
Or implicitly indicate the quantity of indicated technical characteristic.Define " first " as a result, the feature of " second " can be expressed or
Implicitly include at least one this feature.In the description of the present application, the meaning of " plurality " is at least two, such as two, three
It is a etc., unless otherwise specifically defined.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes
It is one or more for realizing custom logic function or process the step of executable instruction code module, segment or portion
Point, and the range of the preferred embodiment of the application includes other realization, wherein can not press shown or discussed suitable
Sequence, including according to related function by it is basic simultaneously in the way of or in the opposite order, Lai Zhihang function, this should be by the application
Embodiment person of ordinary skill in the field understood.
Expression or logic and/or step described otherwise above herein in flow charts, for example, being considered use
In the order list for the executable instruction for realizing logic function, may be embodied in any computer-readable medium, for
Instruction execution system, device or equipment (such as computer based system, including the system of processor or other can be held from instruction
The instruction fetch of row system, device or equipment and the system executed instruction) it uses, or combine these instruction execution systems, device or set
It is standby and use.For the purpose of this specification, " computer-readable medium ", which can be, any may include, stores, communicates, propagates or pass
Defeated program is for instruction execution system, device or equipment or the dress used in conjunction with these instruction execution systems, device or equipment
It sets.The more specific example (non-exhaustive list) of computer-readable medium include the following: there is the electricity of one or more wirings
Interconnecting piece (electronic device), portable computer diskette box (magnetic device), random access memory (RAM), read-only memory
(ROM), erasable edit read-only storage (EPROM or flash memory), fiber device and portable optic disk is read-only deposits
Reservoir (CDROM).In addition, computer-readable medium can even is that the paper that can print described program on it or other are suitable
Medium, because can then be edited, be interpreted or when necessary with it for example by carrying out optical scanner to paper or other media
His suitable method is handled electronically to obtain described program, is then stored in computer storage.
It should be appreciated that each section of the application can be realized with hardware, software, firmware or their combination.Above-mentioned
In embodiment, software that multiple steps or method can be executed in memory and by suitable instruction execution system with storage
Or firmware is realized.Such as, if realized with hardware in another embodiment, following skill well known in the art can be used
Any one of art or their combination are realized: have for data-signal is realized the logic gates of logic function from
Logic circuit is dissipated, the specific integrated circuit with suitable combinational logic gate circuit, programmable gate array (PGA), scene can compile
Journey gate array (FPGA) etc..
Those skilled in the art are understood that realize all or part of step that above-described embodiment method carries
It suddenly is that relevant hardware can be instructed to complete by program, the program can store in a kind of computer-readable storage medium
In matter, which when being executed, includes the steps that one or a combination set of embodiment of the method.
It, can also be in addition, can integrate in a processing module in each functional unit in each embodiment of the application
It is that each unit physically exists alone, can also be integrated in two or more units in a module.Above-mentioned integrated mould
Block both can take the form of hardware realization, can also be realized in the form of software function module.The integrated module is such as
Fruit is realized and when sold or used as an independent product in the form of software function module, also can store in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..Although having been shown and retouching above
Embodiments herein is stated, it is to be understood that above-described embodiment is exemplary, and should not be understood as the limit to the application
System, those skilled in the art can be changed above-described embodiment, modify, replace and become within the scope of application
Type.
Claims (21)
1. a kind of transaction processing method golden out, which is characterized in that be applied to excess reserve system, comprising:
Obtain the golden service request that goes out of target Third-party payment mechanism, it is described go out golden service request include the golden amount of money and target the
The mark of tripartite's payment mechanism；
It traverses the corresponding second level of target Third-party payment mechanism and goes out golden account；
If the second level of whole, which goes out fund in golden account, is respectively less than the amount of money golden out, the second level that will be whole goes out in golden account
Fund collect the first order and go out in golden account, wherein the fund that the first order after collecting goes out in golden account goes out gold than the second level
Fund in account is high；
The first order after collecting goes out in golden account to reduce the amount of money golden out, and according to the target Third-party payment machine
The mark of structure goes out the golden amount of money and is committed to target Third-party payment mechanism described in reducing.
2. the method as described in claim 1, which is characterized in that further include:
Establish distributed account system, wherein each Third-party payment mechanism corresponds to the account golden out of different stage.
3. the method as described in claim 1, which is characterized in that further include:
If the second level currently traversed, which goes out fund in golden account, is greater than or equal to the amount of money golden out, from second currently traversed
Grade goes out in golden account to reduce the amount of money golden out.
4. the method as described in claim 1, which is characterized in that go out in golden account in the first order after collecting and detain
Go out before the golden amount of money described in subtracting, further includes:
The fund of determination collects success.
5. method as claimed in claim 4, which is characterized in that the determining fund, which collects, successfully includes:
The fund that the second level of determining whole within a preset period of time goes out in golden account collects the first order and goes out in gold account, and returns
The fund that the first order after collection goes out in golden account is greater than or equal to the amount of money golden out.
6. the method as described in claim 1, which is characterized in that go out in golden account in the first order after collecting and detain
Go out before the golden amount of money described in subtracting, further includes:
If fund collects failure, the fund that the first order after collecting goes out in golden account is restored to each second level and goes out gold
In account.
7. method as claimed in claim 6, which is characterized in that it is described will collect after the first order go out money in golden account
Gold, which is restored to each second level and goes out in golden account, includes:
Gone out in golden account according to each second level before collecting, the fund that the first order after collecting goes out in golden account is restored to
Each second level goes out in golden account, the second level after return go out in golden account fund with collect it is preceding identical.
8. the method as described in claim 1, which is characterized in that will be detained according to the mark of target Third-party payment mechanism
The amount of money golden out subtracted is committed to after target Third-party payment mechanism, further includes:
The first order after reducing goes out surplus capital in golden account and returns to each second level golden account out.
9. the method as described in claim 1, which is characterized in that go out in golden account in the first order after collecting and reduce institute
After stating out the golden amount of money, further includes:
It is successfully that golden stateful transaction, which is provided,.
10. a kind of traction processing apparatus golden out characterized by comprising
Module is obtained, for obtaining the golden service request that goes out of target Third-party payment mechanism, the service request golden out includes
The mark of the amount of money and target Third-party payment mechanism；
Spider module goes out golden account for traversing the corresponding second level of target Third-party payment mechanism；
Collect module, if for whole second level go out fund in golden account be respectively less than it is described go out the golden amount of money, by whole the
The fund that second level goes out in golden account collects the first order and goes out in golden account, wherein the first order after collecting goes out the money in golden account
Gold is higher than the fund on the second level out golden account；
Module is reduced, goes out in golden account to reduce the amount of money golden out for the first order after collecting；
Transfer module, for according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and be committed to institute
State target Third-party payment mechanism.
11. device as claimed in claim 10, which is characterized in that further include:
Module is established, for establishing distributed account system, wherein it is golden that each Third-party payment mechanism corresponds to going out for different stage
Account.
12. device as claimed in claim 10, which is characterized in that further include:
It is described to reduce module, if the second level for being also used to currently traverse goes out fund in golden account and is greater than or equal to the gold gold out
Volume then goes out in golden account from the second level currently traversed and reduces the amount of money golden out.
13. device as claimed in claim 10, which is characterized in that further include:
Determining module, for the first order after collecting go out in golden account to reduce it is described go out the golden amount of money before, really
Determine fund and collects success.
14. device as claimed in claim 13, which is characterized in that the determining module is specifically used for:
The fund that the second level of determining whole within a preset period of time goes out in golden account collects the first order and goes out in gold account, and returns
The fund that the first order after collection goes out in golden account is greater than or equal to the amount of money golden out.
15. device as claimed in claim 10, which is characterized in that further include:
First returns module, if collecting failure for fund, the fund that the first order after collecting goes out in golden account is returned
Also go out in golden account to each second level.
16. device as claimed in claim 10, which is characterized in that the first return module is specifically used for:
Gone out in golden account according to each second level before collecting, the fund that the first order after collecting goes out in golden account is restored to
Each second level goes out in golden account, the second level after return go out in golden account fund with collect it is preceding identical.
17. device as claimed in claim 10, which is characterized in that further include:
Second returns module, for according to the mark of target Third-party payment mechanism will reduce described in go out the golden amount of money and draw
After setting aside target Third-party payment mechanism, the first order after reducing goes out surplus capital in golden account and returns to respectively
A second level goes out golden account.
18. device as claimed in claim 10, which is characterized in that further include:
Setup module, for being provided after the first order after collecting goes out in golden account to reduce the amount of money golden out
Golden stateful transaction is successfully.
19. a kind of traction processing apparatus golden out characterized by comprising
Memory, processor and storage are on a memory and the computer program that can run on a processor, which is characterized in that institute
It states and is realized when processor executes described program such as transaction processing method golden out described in any one of claims 1-8.
20. a kind of excess reserve system characterized by comprising
Memory, processor and storage are on a memory and the computer program that can run on a processor, which is characterized in that institute
It states and is realized when processor executes described program such as transaction processing method golden out described in any one of claims 1-8.
21. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is by processor
It is realized when execution such as transaction processing method golden out described in any one of claims 1-8.
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| CN201910586344.8A CN110458537B (en) | 2019-07-01 | 2019-07-01 | Method and device for processing cash-out transaction |
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|---|---|---|---|
| CN201910586344.8A CN110458537B (en) | 2019-07-01 | 2019-07-01 | Method and device for processing cash-out transaction |
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