CN110751552A - Financial account amount processing method and device and server - Google Patents

Abstract

The application discloses a financial account amount processing method, device and server, wherein the method comprises the following steps: obtaining an account transaction request; the account transaction request comprises at least one account identifier, a transaction account amount value corresponding to the account identifier and a corresponding transaction amount value, and the transaction account amount value and the transaction amount value have decimal digits of a first quantity; calculating the amount value of the first digit group in the transaction amount value to obtain the bank account amount value; wherein, the first digit group comprises digits before the decimal point in the value of the amount and digits after the decimal point with a second quantity, and the second quantity is less than the first quantity; adjusting the bank account value based at least on the value of the amount in the second digit group in the transaction amount value to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

Description

Financial account amount processing method and device and server

Technical Field

The application relates to the technical field of finance, in particular to a financial account amount processing method, device and server.

Background

At present, accounting financial systems of various banks take two decimal places (for RMB currency, the currency is the unit of amount of money 'fen') as the maximum accuracy of the amount of money, and the accuracy of account moving operation of the corresponding financial business and payment systems can only reach smaller ones after the decimal point when the financial business and payment systems are connected with a bank interface, and if the accuracy can only reach two bits after the decimal point. In actual business accounts, the user can easily generate numerical values with higher precision after carrying out decimal operation on daily interest, income and other money amounts, so that the money amounts of more than two decimal amounts need to be specially processed in respective business account systems so as to meet the standard of a bank interface.

The existing solution to this problem is to round the transaction amount by rounding methods such as rounding method, and only two decimal places are reserved in the account transaction, and then the bank account is booked.

However, for financial services with higher precision requirements, after multiple transactions or long-time accumulation, the final actual amount of money obtained by a certain party in a bank account may be far different from the amount of money due to a service account, which may result in a lower accuracy of the account amount.

Disclosure of Invention

In view of the above, the present application provides a method, an apparatus and a server for processing the amount of a financial account, so as to solve the technical problem of low accuracy of the amount of the account in the above transaction, as follows:

a method of processing an amount of a financial account, the method comprising:

obtaining an account transaction request; the account transaction request comprises at least one account identifier, a business account amount value corresponding to the account identifier and a corresponding transaction amount value, and the business account amount value and the transaction amount value have decimal digits of a first quantity;

calculating the amount value of the first digit group in the transaction amount value to obtain the bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number;

adjusting the bank account value based at least on the value of the amount in the second digit group of the transaction amount value to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

In the above method, preferably, in a case that the account transaction request is a single account or a one-to-one transfer transaction request between two accounts, the adjusting the bank account amount value based on at least the amount value in the second digit group in the transaction amount value to obtain a modified bank account amount value includes:

calculating the amount value of the second digit group in the transaction amount value to obtain a calculation result;

and adjusting the bank account sum value at least based on the operation result to obtain a corrected bank account sum value.

Preferably, the method, based on at least the operation result, of adjusting the bank account amount to obtain a corrected bank account amount includes:

carrying 1 to the amount value of the lowest digit in the bank account amount values under the condition that the operation result indicates that the amount values are addition operation and the highest digit carry exists in the second digit group;

and in the case that the operation result shows that the amount values are subjected to subtraction operation and the highest borrowing position exists in the second digit group, the amount value of the lowest digit in the bank account amount value is refunded by 1.

In the above method, preferably, in a case that the account transaction request is a one-to-many or many-to-one transfer transaction request between three or more accounts, the adjusting the bank account amount value based on at least the amount value in the second digit group in the transaction amount value to obtain a modified bank account amount value includes:

obtaining an operation result of addition operation between the amount values on the second digit group in the transaction amount values;

and adjusting the bank account sum value at least based on the operation result to obtain a corrected bank account sum value.

Preferably, in the above method, the adjusting the bank account amount value based on at least the operation result to obtain a corrected bank account amount value includes:

under the condition that the account transaction request is a one-to-many transfer transaction request and the highest carry exists in the second digit group of the operation result, the lowest-digit amount value in the bank account amount value is set back to the value of the highest carry;

and under the condition that the account transaction request is a many-to-one transfer transaction request and the highest carry exists in the second digit group of the operation result, carrying the value of the lowest digit in the bank account sum value by the value of the highest carry.

An amount processing apparatus for a financial account, comprising:

a request receiving unit, configured to obtain an account transaction request, where the account transaction request includes at least one account identifier, a transaction account amount value corresponding to the account identifier, and a corresponding transaction amount value, and the transaction account amount value and the transaction amount value have decimal digits of a first quantity;

the amount calculation unit is used for calculating the amount value on the first digit group in the transaction amount value to obtain the bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number;

the amount adjusting unit is used for adjusting the bank account amount value at least based on the amount value on the second digit group in the transaction amount to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

In the above apparatus, preferably, the amount of money adjusting means includes:

the first operation module is used for operating the amount value on the second digit group in the transaction amount value based on the amount value on the second digit group in the transaction amount value to obtain an operation result under the condition that the account transaction request is a single account or a one-to-one transfer transaction request is carried out between two accounts;

and the first adjusting module is used for adjusting the bank account sum value at least based on the operation result so as to obtain a corrected bank account sum value.

Preferably, in the above apparatus, the first adjusting module is specifically configured to:

carrying 1 to the amount value of the lowest digit in the bank account amount values under the condition that the operation result indicates that the amount values are addition operation and the highest digit carry exists in the second digit group;

and in the case that the operation result shows that the amount values are subjected to subtraction operation and the highest borrowing position exists in the second digit group, the amount value of the lowest digit in the bank account amount value is refunded by 1.

In the above apparatus, preferably, the amount of money adjusting means includes:

the second operation module is used for obtaining an operation result of addition operation between the money values on the second digit group in the transaction money values under the condition that the account transaction request is a one-to-many or many-to-one transfer transaction request between three or more accounts;

and the second adjusting module is used for adjusting the bank account sum value at least based on the operation result so as to obtain a corrected bank account sum value.

Preferably, in the above apparatus, the second adjusting module is specifically configured to:

under the condition that the account transaction request is a one-to-many transfer transaction request and the highest carry exists in the second digit group of the operation result, the lowest-digit amount value in the bank account amount value is set back to the value of the highest carry;

and under the condition that the account transaction request is a many-to-one transfer transaction request and the highest carry exists in the second digit group of the operation result, carrying the value of the lowest digit in the bank account sum value by the value of the highest carry.

A server, comprising:

the memory is used for storing the application program and data generated by the running of the application program;

a processor for running the application to implement the following functions:

obtaining an account transaction request; the account transaction request comprises at least one account identifier, a business account amount value corresponding to the account identifier and a corresponding transaction amount value, and the business account amount value and the transaction amount value have decimal digits of a first quantity; calculating the amount value of the first digit group in the transaction amount value to obtain the bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number; adjusting the bank account value based at least on the value of the amount in the second digit group of the transaction amount value to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

It can be seen from the above technical solutions that, in the method, the apparatus, and the server for processing the amount of a financial account disclosed in the present application, after the amount of a business account is calculated according to the amount of a first digit group, such as two digits after decimal point, in a transaction amount to obtain a bank account amount, the amount of the bank account is further adjusted by using the amount of the remaining other digits to obtain a corrected bank account amount, which is different from the case where the accumulated error exists in the bank account amount obtained by rounding the amount of the business account and then calculating the business account amount, in the present application, the amount of the bank account obtained by calculating the amount of a second digit group, such as the 3 rd digit after decimal point, and the corresponding amount after rounding the business account amount can be used to adjust the bank account amount obtained by calculating the amount of the first digit group, such as the 2 nd digit after decimal point, and the corresponding amount before based on the business account amount and the transaction amount, therefore, the amount error generated by each account transaction is reduced, the accumulated error is avoided, and the purpose of improving the account amount accuracy is achieved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.

FIG. 1 is a flowchart of a method for processing an amount of a financial account according to an embodiment of the present disclosure;

FIG. 2 is an illustration of an embodiment of the present application;

fig. 3 is a schematic structural diagram of a financial account amount processing apparatus according to a second embodiment of the present application;

fig. 4 is a schematic structural diagram of a server according to a third embodiment of the present application;

FIG. 5 is a system architecture diagram of a financial services system deployed in a server in an example of the present application;

fig. 6 is an interaction flowchart of account processing between functional modules in the financial transaction system according to the example of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

As shown in fig. 1, which is a flowchart illustrating an implementation of a method for processing an amount of a financial account according to an embodiment of the present disclosure, the method is applied to an electronic device capable of performing a transaction operation of a financial account, such as a computer or a server, and is mainly used for performing error adjustment on an amount of a bank account with limited amount precision, so as to improve an accuracy of the amount of the bank account.

Specifically, the method in this embodiment may include the following steps:

step 101: an account transaction request is obtained.

The account transaction request may be one or multiple, and this embodiment may be applicable to processing a single account transaction request, or may be applicable to processing multiple account transaction requests in a batch, specifically, multiple account transaction requests may be processed simultaneously, or each account transaction request may be processed sequentially according to a time sequence or other rules.

It should be noted that the account transaction request in this embodiment may be a transaction request for making an account entry or an account exit for a single account, where the account transaction request may include an account identifier such as an identifier of a unit or an individual to which the account belongs, and correspondingly, the account transaction request may further include a current transaction account amount corresponding to the account identifier and a transaction amount value that needs to make an account entry or an account exit for the account, such as an account exit 500 yuan or an account entry 3000 yuan. Of course, the account transaction request may also represent the operation of adding or subtracting the transaction amount value by setting a transaction mode, such as posting or posting, or may represent posting or posting by setting a positive or negative symbol for the transaction amount value in the account transaction request.

Or, the account transaction request in this embodiment may also be a one-to-one transfer transaction request between two accounts, such as a request for transferring an account a to an account B, where the account transaction request includes two account identifiers, such as identifiers of a unit or an individual to which the account belongs, and correspondingly, the account transaction request may also include a current transaction account amount corresponding to each account identifier and a transaction amount value that needs to be credited or debited to each account, such as 500 yuan for debiting the account a and 500 yuan for crediting the account B. Of course, the account transaction request may also represent the operation of adding or subtracting the transaction amount value by setting a transaction mode, such as posting or posting, or may represent posting or posting by setting a positive or negative symbol for the transaction amount value in the account transaction request.

In addition, the account transaction request in this embodiment may also be a one-to-many or many-to-one transfer transaction request between three or more accounts, such as a request for transferring the first account to the a account and the B account or a request for transferring the a account and the B account to the first account, where the account transaction request includes three or more account identifiers, such as an identifier of a unit or an individual to which the account belongs, and correspondingly, the account transaction request may further include a current transaction account monetary value corresponding to each account identifier and a transaction monetary value that needs to be credited or debited to each account, such as 100 yuan for first account debiting, 50.001 yuan for a account crediting, 49.999 yuan for B account crediting, and the like. Of course, the account transaction request may also represent the operation of adding or subtracting the transaction amount value by setting a transaction mode, such as posting or posting, or may represent posting or posting by setting a positive or negative symbol for the transaction amount value in the account transaction request.

It can be seen that each account identifier corresponds to a transaction account amount and a transaction amount for performing amount processing on the transaction account amount.

The amount of money of the business account may be an amount of money of digits of a first quantity after the decimal point, and correspondingly, the transaction amount of money may also be an amount of money of digits of the first quantity after the decimal point, where the first quantity is a larger value than the value of 2 or 3 digits after the decimal point normally required in the bank account, and for example, the amount of money of the business account and the transaction amount of money are both amount of money of 8 digits after the decimal point.

Step 102: and calculating the amount value of the first digit group in the transaction amount value to obtain the bank account amount value.

Wherein, the first digit group comprises digits before the decimal point in the amount value and digits after the decimal point, the second quantity is less than the first quantity, and the amount value on the first digit group is: and the sum value of the sum of the business account is composed of the sum value before the decimal point and the sum value of the second amount after the decimal point. Specifically, the second number may be 2, as shown in fig. 2, the first digit group refers to digits before the decimal point and two digits after the decimal point, and accordingly, the amount of money in the first digit group includes: and the sum value consisting of the sum value before the decimal point and the sum value two digits after the decimal point in the sum value of the business account is 100.00.

The second amount may be set according to the standard of the actual bank account, and may be 2, 3, 1, or the like.

Specifically, in this embodiment, the sum value in the first digit group in the transaction sum value is added or subtracted to the sum value in the first digit group in the transaction sum value to obtain the bank account sum value corresponding to the business account sum value, and the bank account sum value is used for interfacing with the bank interface and performing accounting in the bank account system.

Meanwhile, in this embodiment, the operation of adding or subtracting the transaction amount value to the transaction account amount value is performed to obtain an updated transaction account amount value.

It should be noted that, in this embodiment, after receiving the account transaction request, a corresponding account-action flow may be generated according to the transaction amount value and the corresponding transaction amount value corresponding to the account identifier in the account transaction request, and then, an action is performed on each account according to each flow, so as to obtain a corresponding bank account amount value and an updated transaction account amount value.

Step 103: the bank account value is adjusted based at least on the value of the amount in the second digit group of the transaction amount value to obtain a modified bank account amount value.

Wherein, the second digit group comprises other digits except the first digit group in the amount value, and the amount value in the second digit group is: and the sum value after the second amount after the decimal point in the sum value of the business account. Specifically, in the case that the second number is 2, as shown in fig. 2, the second digit group refers to digits 3 and after the decimal point, and accordingly, the amount value in the second digit group includes: the amount of the 3 rd digit and the next digit after the decimal point in the amount of the business account is 0.00640065.

Specifically, in this embodiment, when the amount value of the bank account is adjusted, the lowest digit in the amount value of the bank account, that is, the last digit of the first digit group, may be carried by 1 or carried by 1 according to the amount value of the second digit group in the transaction amount value.

In this embodiment, the amount of the business account may correspond to one transaction amount, or may correspond to a plurality of transaction amounts, and thus, in this embodiment, the operation may be performed on the amount of the business account based on the amount of the first digit group in the single transaction amount, that is, one-to-one transaction; or, the operation may be performed on the amount of the business account based on the amount of the first digit group in the multiple transaction amounts, that is, one-to-many or many-to-one transaction, and accordingly:

when the amount value of the business account corresponds to a transaction amount value, directly adding or subtracting the amount value on the first digit group in the transaction amount value to obtain a bank account amount value, and then adjusting the bank account amount value based on the amount value on the second digit group in the transaction amount;

when the amount value of the business account corresponds to a plurality of transaction amount values, the amount value on the first digit group in the amount value of the business account is added or subtracted according to the amount value on the first digit group in the transaction amount values, for example, the amount value on the first digit group in the transaction amount values is added or subtracted, the amount value on the first digit group in the amount value of the business account is added or subtracted, the bank account amount value is obtained, and the bank account amount value is adjusted based on the amount value on the second digit group in the transaction amount values; or, the sum of the money value on the first digit in the transaction sum is sequentially added or subtracted to the money value on the first digit group in the transaction sum to obtain the bank account sum, and it is particularly noted that, after the sum of the money value on the first digit group in the transaction sum is added or subtracted each time, the bank account sum needs to be adjusted according to the sum of the money value on the second digit group in the transaction sum, that is, each addition or subtraction is adjusted once.

It can be known from the above solutions that, in the method for processing amount of financial account provided in the embodiment of the present application, after the amount of business account is calculated according to the amount value of the first digit group, e.g., the two digits after decimal point, in the transaction amount to obtain the amount of bank account, the amount value of bank account is further adjusted by using the amount values of the remaining other digits to obtain the corrected amount of bank account, which is different from the case where the accumulated error exists in the amount value of bank account obtained by rounding the amount of business account and then performing the calculation, in this embodiment, the amount value obtained by calculating the amount value of the first digit group, e.g., the 3 rd digit after decimal point, and the corresponding amount value after rounding the amount of business account can be used to adjust the amount value of bank account obtained by calculating the amount value after the 3 rd digit after decimal point and the corresponding to the first digit group, e.g., the 2 nd digit after decimal point, based on the amount value of business account and the transaction amount value, therefore, the amount error generated by each account transaction is reduced, the accumulated error is avoided, and the purpose of improving the account amount accuracy is achieved.

In the specific implementation, when the value of the bank account sum is adjusted in step 103, the following situations are specifically included:

when the account transaction request is a single account or a one-to-one transfer transaction request between two accounts, step 103 may be implemented by:

firstly, based on the amount value of the second digit group in the transaction amount value, the amount value of the second digit group in the transaction amount value is calculated to obtain the calculation result, namely: extracting the amount value of the service account and the amount value on the second digit group in the transaction amount value, for example, extracting the amount value at the 3 rd position and later of the decimal point in the amount value of the service account, extracting the amount value at the 3 rd position and later of the decimal point in the transaction amount value, and adding or subtracting the amount value at the 3 rd position and later of the decimal point in the amount value of the service account to or from the amount value at the 3 rd position and later of the decimal point in the transaction amount value to obtain an operation result;

and then, adjusting the sum of the bank account at least based on the operation result to obtain the corrected sum of the bank account. Specifically, in this embodiment, whether to adjust the bank account sum or not and the adjustment mode may be determined by whether the highest carry bit exists in the operation result. The following were used:

under the condition that the operation result shows that the sum values are subjected to addition operation and the highest carry bit exists in the second digit group, for example, when the account transaction request is an account entry request and the carry bit is positioned at the 2 nd digit after the decimal point, carrying 1 to the sum value of the lowest digit in the bank account sum values, and carrying 1 to the 2 nd digit of the decimal point in the bank account sum values, namely adding 1;

and in the case that the operation result shows that the amount values are subjected to subtraction operation and the highest borrowing position exists in the second digit group, for example, when the account transaction request is a charge-out request and the 2 nd position after the decimal point is borrowed by the 3 rd position, the amount value of the lowest digit in the amount values of the bank accounts is refunded by 1, for example, the 2 nd position of the decimal point in the amount of the bank accounts is refunded by 1, namely, the amount value is subtracted by 1.

Taking the amount of money of the business account in the account a as 100.008 for example, if the account a receives an account posting transaction request of an account posting 10.001, at this time, the amount of money of the bank account is 100.008 and 10.001, the amount of money after the decimal point and before the decimal point are respectively added to obtain 110.00, the amount of money of the business account is 110.009, at this time, the amount of money corresponding to the decimal point 3 rd bit and after the decimal point of the amount of money and the transaction amount of money is added by 0.009 and does not exceed 0.01, that is, no carry is carried out, at this time, the amount of money of the bank account is not adjusted and still remains at 110.00, thereby ensuring that the difference between the amount of money of the business account and the amount of money of the bank account is 0.001 and is not more than 0.01;

if the account A receives an account posting transaction request of account posting 10.003, at the moment, the bank account sum value is 100.008 and 10.003, the sum operation is respectively carried out on the sum of the first two decimal points and the sum of the front two decimal points to obtain 110.00, the business account sum value is 110.011, at the moment, the sum of the business account sum value and the corresponding sum value of the 3 rd decimal point and the later corresponding decimal point of the transaction sum value is 0.011 and exceeds 0.01, namely, carry exists, at the moment, the sum of the lowest digit of the bank account sum value is carried by 1, namely, the carry of the 2 nd decimal point and the later 2 nd digit of the bank account sum value 110.00 is carried by 1 to obtain a corrected bank account sum value 110.01, at the moment, the difference between the business account sum value and the bank account sum value is 0.001 and still does not exceed 0.01;

if the account A receives the charge-out transaction request of the charge-out 10.003, the sum of the bank account is 100.008 and 10.003, the sum of the first two decimal points and the sum of the first decimal points is subtracted to obtain 90.00, the sum of the business account is 90.005, at the moment, the sum of the business account sum and the transaction sum corresponding to the third position after the decimal point and the corresponding to the third position after the decimal point is subtracted to obtain 0.005, the borrowing is not needed for the decimal point 2 of the business account sum, at the moment, the sum of the bank account is still 90.00 without adjustment, and therefore the difference between the business account sum and the bank account sum is 0.005 and is not more than 0.01;

if account A receives a charge-out transaction request of charge-out 10.009, the sum of the bank account is 100.008 and 10.009, the first two decimal points and the sum of the money before the decimal points are respectively subtracted to obtain 90.00, the sum of the bank account is 89.999, at this time, the sum of the service account sum and the transaction sum is subtracted from the corresponding sum of the third 3 decimal points and the subsequent corresponding sum of the decimal points to obtain-0.001, borrowing is needed for the second decimal point of the service account sum, at this time, the sum of the lowest decimal point of the bank account sum is refunded by 1, namely refunded by 1 on the second 2 decimal point of the bank account sum of 90.00 (0.01 is subtracted from 90.00), and a corrected bank account sum of 89.99 is obtained, at this time, the difference between the service account sum and the bank account sum is 0.009 and still does not exceed 0.01; and so on.

Where the account transaction request is a one-to-many or many-to-one transfer transaction request between three or more accounts, step 103 may be implemented by:

first, the operation result of adding the amount values of the second digit group in the transaction amount values is obtained. The transaction amount values are amount values which are used for entering or exiting accounts according to the amount value of the same business account.

And then, adjusting the bank account amount value at least based on the operation result of the addition operation between the amount values on the second digit group in the plurality of transaction amount values to obtain the corrected bank account amount value. The bank account amount here refers to: the amount value of the first digit group in the transaction amount values is added or subtracted to the result of the previous addition operation to obtain the bank account amount value, and accordingly, in this embodiment, the bank account amount value is adjusted according to the operation result of the addition operation of the amount value of the second digit group in the transaction amount values. The following were used:

under the condition that the account transaction request is a one-to-many transfer transaction request and the highest carry exists in the second digit group of the operation result, for example, when the account transaction request is a one-to-many charge-off request and the addition operation of a plurality of transaction amount values has a carry in the 2 nd digit after the decimal point, the value of the lowest-digit amount value in the bank account amount values is subjected to the highest carry back, for example, the value of the 2 nd digit after the decimal point in the bank account amount values is subjected to the 2 nd digit after the decimal point, namely the value of the 2 nd digit after the decimal point is reduced, and correspondingly, the account amount generated by the value of the highest carry back can be prestored in a specific account, for example, a preset centimeter operation account, so that the purpose of balance is achieved;

under the condition that the account transaction request is a many-to-one transfer transaction request and the highest carry exists in the second digit group of the operation result, for example, when the account transaction request is a many-to-one charge-out request and the addition operation of a plurality of transaction amount values has a carry in the 2 nd digit after the decimal point, the lowest-digit amount value in the bank account amount values is carried with the highest carry numerical value, for example, the 2 nd digit higher than the decimal point in the 2 nd digit of the decimal point in the bank account amount value is carried with the highest numerical value, namely, the 2 nd digit higher numerical value after the decimal point is added, and correspondingly, the account amount generated by the highest carry numerical value can be obtained in a specific account, for example, a preset centimeter operation account, so that the purpose of flat account is achieved.

Taking the account of the borrower A account as 100.00, the account allocation account 50.001 of the lender A, the account allocation account 49.999 of the lender B as an example, the sum operation is carried out by firstly obtaining the sum value of two digits after the decimal point of the account A and the account B and the sum value before the decimal point, then the operation result obtained by the sum operation is deducted from the account A to obtain the bank account sum value of the account A, i.e., 0.01, and the sum of the 3 rd bit after the decimal point of the account a and the corresponding amount of money after the decimal point of the account B has a carry at the 2 nd bit of the decimal point, at this time, the lowest digit of the bank account sum of the first account is refunded by 1, for example, the 2 nd digit of the decimal point of the bank account sum is refunded by 1, that is, after the decimal point, the 2 nd digit is subtracted by 1 to obtain 0.00, and correspondingly, the account amount of 0.01 generated by the refund digit 1 can be prestored in a specific centi-operation account, thereby achieving the purpose of tie-account; then, according to the operation and adjustment scheme of the bank account sum value related in the one-to-one transfer transaction, the bank account sum values of the account A and the account B are respectively obtained and adjusted, so that the error between the business account sum value and the bank account sum value of the account A, the account A and the account B in the one-to-many transfer transaction is not higher than 0.01;

taking the debit person account A for paying out 200.00, the debit person account A for allocating account 50.001, the debit person account B for allocating account 49.999, the debit person account C for allocating account 50.001 and the debit person account D for allocating account 49.999 as examples, the sum of the amounts of the two digits after the decimal point and before the decimal point of the account A, the account B, the account C and the account D can be obtained, the sum of the amounts of the bank account A and the bank account B can be obtained by deducting the sum of the amounts obtained by the sum in the account A, the sum of the bank account C and the bank account D can be 0.02, the sum of the amounts of the bank account A, the bank account B, the bank account C and the bank account D can be 2 with a carry in the 2 nd digit of the decimal point, and the carry can be 2, at this time, the sum of the bank account A can be 2 with the lowest-digit sum of the amounts of the decimal point, for example, the sum of the 2 nd digit after the decimal point can be 2, and the sum of the bank account A can be 0.00, correspondingly, the account amount 0.02 generated by the refund 2 can be prestored in a specific centimetric account, so that the purpose of tie account is achieved; then, according to the operation and adjustment scheme of the bank account sum of the account A, the account B, the account C and the account D in the one-to-one transfer transaction, the bank account sum of the account A, the account B, the account C and the account D is respectively obtained and adjusted, so that the error between the business account sum of the account A, the account B, the account C and the account D in the one-to-many transfer transaction and the bank account sum is not higher than 0.01;

taking the account of the borrower A50.001, the account of the borrower B49.999 and the account of the first account 100.00 as an example, the sum of the amount values of the first account and the account B after the decimal point and before the decimal point is carried out, and the sum of the operation results obtained by the sum operation of the account A and the account B is carried out to obtain the bank account amount value of the first account, namely 99.99, while the sum of the amount values of the first account and the account B after the decimal point, namely the 3 rd position and the corresponding amount values after the decimal point, is carried on the 2 nd position of the decimal point, at the moment, the amount value of the lowest digit in the bank account amount value of the first account is carried by 1, for example, the sum of the 2 nd position of the decimal point in the bank account amount value is carried by 1 to obtain 100.00, and the corresponding amount of the account related to the carry 1 can be provided by the centi operation account, thereby achieving the purpose of the balance; then or before, respectively acquiring and adjusting the bank account sum of the account A and the account B according to the operation and adjustment scheme of the bank account sum involved in the one-to-one transfer transaction in the previous step, thereby ensuring that the error between the business account sum and the bank account sum of the account A, the account A and the account B in the one-to-many transfer transaction is not higher than 0.01;

taking the account of the borrower A50.001, the account of the borrower B49.999, the account of the borrower C50.001, the account of the borrower D49.999 and the account of the account A200.00 as an example, the sum of the amounts of the account A, the account B, the account C and the account D after the decimal point and before the decimal point is carried out, then the sum of the amounts of the account A and the account B is carried out to obtain the bank account value of the account A, namely 199.98, and the sum of the amounts of the account A, the account B, the account C and the account D after the decimal point and the corresponding amount is carried out to obtain the sum of the amount of the account A after the decimal point and the sum of the amount of the account A and the account B is carried out to obtain the sum of the amount of the lowest position in the bank account A and the account C and the account D after the decimal point, namely the sum of the 2 at the decimal point 2, at the moment, the sum of the amount of the lowest position in the bank account A and the decimal point in the bank account is carried to 2, namely the 2 at the position after the, the account amount 0.02 related to the carry 2 can be provided by the centi-operation account, so that the purpose of tie-down is achieved; then or before, according to the operation and adjustment scheme of the bank account sum value related in the one-to-one transfer transaction in the previous paragraph, respectively obtaining and adjusting the bank account sum values of the accounts A, B, C and D, thereby ensuring that the error between the business account sum value and the bank account sum value of the accounts A, B, C and D in the one-to-many transfer transaction is not higher than 0.01; and so on.

Referring to fig. 3, a schematic structural diagram of an amount processing apparatus for a financial account according to a second embodiment of the present disclosure is provided, where the apparatus may be disposed in an electronic device capable of performing a transaction operation of the financial account, such as a computer or a server, and is mainly used to perform error adjustment on the amount of a bank account with limited amount precision, so as to improve the accuracy of the amount of the bank account.

Specifically, the apparatus in this embodiment may include the following functional units:

a request receiving unit 301, configured to obtain an account transaction request, where the account transaction request includes at least one account identifier, a transaction account amount value corresponding to the account identifier, and a corresponding transaction amount value, and the transaction account amount value and the transaction amount value have a first number of decimal places;

an amount calculation unit 302, configured to calculate, based on the amount value in the first digit group in the transaction amount value, the amount value in the first digit group in the transaction amount value to obtain a bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number;

an amount adjusting unit 303, configured to adjust the bank account amount value at least based on the amount value in the second digit group in the transaction amount, so as to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

In one implementation, the amount adjusting unit 303 includes the following modules:

the first operation module is used for operating the amount value on the second digit group in the transaction amount value based on the amount value on the second digit group in the transaction amount value to obtain an operation result under the condition that the account transaction request is a single account or a one-to-one transfer transaction request is carried out between two accounts;

and the first adjusting module is used for adjusting the bank account sum value at least based on the operation result so as to obtain a corrected bank account sum value. The method is specifically used for:

carrying 1 to the amount value of the lowest digit in the bank account amount values under the condition that the operation result indicates that the amount values are addition operation and the highest digit carry exists in the second digit group;

and in the case that the operation result shows that the amount values are subjected to subtraction operation and the highest borrowing position exists in the second digit group, the amount value of the lowest digit in the bank account amount value is refunded by 1.

In another implementation manner, the amount adjusting unit 303 includes the following modules:

the second operation module is used for obtaining an operation result of addition operation between the money values on the second digit group in the transaction money values under the condition that the account transaction request is a one-to-many or many-to-one transfer transaction request between three or more accounts;

and the second adjusting module is used for adjusting the bank account sum value at least based on the operation result so as to obtain a corrected bank account sum value. The method is specifically used for:

under the condition that the account transaction request is a one-to-many transfer transaction request and the highest carry exists in the second digit group of the operation result, the lowest-digit amount value in the bank account amount value is set back to the value of the highest carry;

and under the condition that the account transaction request is a many-to-one transfer transaction request and the highest carry exists in the second digit group of the operation result, carrying the value of the lowest digit in the bank account sum value by the value of the highest carry.

It can be seen from the above solutions that, in the money processing apparatus for financial accounts according to the second embodiment of the present application, after the money value of the business account is calculated according to the first digit group in the transaction money value, such as the two digits after decimal point, to obtain the money value of the bank account, the money value of the bank account is further adjusted by using the money values on the remaining other digits to obtain the corrected money value of the bank account, which is different from the situation that the accumulated error exists in the money value of the bank account obtained by rounding the money value of the business account and then performing calculation, in this embodiment, the money value obtained by calculating the first digit group based on the business account money value and the transaction money value, such as the 3 rd digit after decimal point and the corresponding money value after decimal point, can be used to adjust the money value of the bank account obtained by calculating the first digit group based on the business account money value and the transaction money value, such as the 2 nd digit after decimal point and the corresponding money value before, therefore, the amount error generated by each account transaction is reduced, the accumulated error is avoided, and the purpose of improving the account amount accuracy is achieved.

Referring to fig. 4, a schematic structural diagram of a server provided in the third embodiment of the present application is shown, where the following architecture may be laid out in the server to implement account processing:

a memory 401 for storing an application program and data generated by the application program;

a processor 402 for executing an application to implement: obtaining an account transaction request; the account transaction request comprises at least one account identifier, a business account amount value corresponding to the account identifier and a corresponding transaction amount value, and the business account amount value and the transaction amount value have decimal digits of a first quantity; calculating the amount value of the first digit group in the transaction amount value to obtain the bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number; adjusting the bank account value based at least on the value of the amount in the second digit group of the transaction amount value to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

The server may further include a communication interface 403 capable of performing communication connection with other devices, such as a WiFi, a bluetooth, or a network communication module. Communication among the memory 401, processor 402, and communication interface 403 and other components in the server may be accomplished via a communication bus 404, etc.

It can be seen from the above solutions that, in the money processing apparatus for financial accounts according to the second embodiment of the present application, after the money value of the business account is calculated according to the first digit group in the transaction money value, such as the two digits after decimal point, to obtain the money value of the bank account, the money value of the bank account is further adjusted by using the money values on the remaining other digits to obtain the corrected money value of the bank account, which is different from the situation that the accumulated error exists in the money value of the bank account obtained by rounding the money value of the business account and then performing calculation, in this embodiment, the money value obtained by calculating the first digit group based on the business account money value and the transaction money value, such as the 3 rd digit after decimal point and the corresponding money value after decimal point, can be used to adjust the money value of the bank account obtained by calculating the first digit group based on the business account money value and the transaction money value, such as the 2 nd digit after decimal point and the corresponding money value before, therefore, the amount error generated by each account transaction is reduced, the accumulated error is avoided, and the purpose of improving the account amount accuracy is achieved.

The following takes the unit of the money value as the rmb as an example to exemplify the technical scheme in the application:

first, as shown in fig. 5, a financial service system (e.g., a network credit service system, etc.) is deployed in the server shown in fig. 4, wherein the financial service system is logically divided in function (refer to functional units of the apparatus in fig. 3): the financial business system relies on the server to carry out accounting on the bank account system on the bank server.

Secondly, by means of a transaction center in the server and a function module of a business account system, the error between the actual amount of money (bank account amount value) and the amount of money to be acquired (business account amount value) in the account is kept to be less than 1 minute by adopting tail difference arrangement, accumulated advance and retreat positions and other modes for tail difference amount in transaction, so that the accuracy of the financial account is guaranteed.

The functions of the modules in the system architecture shown in fig. 5 are as follows:

the business processing system is a system unit used for processing the business function of the user in each financial transaction scene, business modules in the online loan business system can comprise a financing system, a payment system, a repayment distribution system, an asset system and the like, and the user can carry out the transactions of purchasing financing, payment, repayment distribution, credit transfer, financing withdrawal and the like through the system modules;

the transaction center has the functions of receiving requests of all the service processing systems, assembling all the service transaction pipelines and calling dynamic accounts of the service account system;

the business account system provides specific processing functions of transaction flow, including recording the transaction flow, performing action account on each account, recording the account flow and the like;

the bank account system belongs to a third-party system for financial service systems such as online credit service, and mainly provides an interface for actual fund transfer for the financial service system, and the service account system calls the interface to perform actual fund transfer.

Based on the architecture in fig. 5, the following introduces the principle of tail difference processing based on the present application:

firstly, the general principle of the tail difference processing is to keep the difference between the money amounts of the same user business account and the bank account less than 1 minute, namely, the money amounts above the quantile are always kept consistent. The method comprises two parts, wherein the first part is the processing of a single account, and the second part is the processing of amount tail difference in transaction, namely, the amount of a bank account of the single account is processed firstly, such as addition operation or subtraction operation, and then the tail difference of the amount of the bank account in transaction is processed, wherein the single account tail difference processing principle is as follows:

in the case of adding the account amount, there are two cases:

the first case is that the sum of the part of the account sum less than or equal to the centi in the operation does not generate a carry, in this case, after the operation is completed, the sum of the part of the account sum more than or equal to the centi in the business account and the bank account is consistent after the operation, and no processing is needed.

For example, as shown in table 1, user a originally had 100.001, when he received a 10.002 refund:

TABLE 1

System for controlling a power supply	Initial value	Increment of	Final value
				Business account	100.001	10.002	110.003
Bank account	100.00	10.00	110.00

The second situation is that the sum of the account amount plus the part of the operation less than or equal to the centi is accumulated to generate a carry, in this situation, after the operation is completed, the amount of money of the business account and the bank account in the part of the operation less than or equal to the centi is different, and because the deduction amount of the sending bank is equal to the part of the operation less than or equal to the centi, the business account of the user is 1 more than the bank account after the operation. At this time, the account of the user in the bank needs to be processed, and 1 minute is transferred to the account of the user in the bank through a centi-operation account (a preset platform account). This process may be defined as a "centi-carry operation".

For example, as shown in table 2 below, user a originally had 100.009, when he received a 10.002 refund:

TABLE 2

System for controlling a power supply	Initial value	Increment of	Final value
				Business account	100.009	10.002	110.011
Bank account	100.00	10.00	110.00

And after 0.01 is added to the bank account, the following table 3 is shown:

TABLE 3

System for controlling a power supply	Initial value	Increment of	Final value
				Bank account	110.00	0.01	110.01

When the account amount is subtracted, there are two cases:

in the first case, the debit (enough subtraction) is not generated after the subtraction of the part of the amount of money between the centi and the following part in the account amount subtraction operation, and in this case, the amounts of the parts of the amount of money above the centi in the business account and the money in the bank account are consistent after the operation and do not need to be processed.

For example, as shown in table 4 below, user a originally had 100.003 when he paid a service fee of 10.002:

TABLE 4

System for controlling a power supply	Initial value	Increment of	Final value
				Business account	100.003	-10.002	90.001
Bank account	100.00	-10.00	90.00

In the second case, the debit (insufficient subtraction) is generated after the subtraction of the part of the amount of money equal to or less than the centi in the calculation of the account amount, in this case, the amount of money of the business account and the bank account is different in the part of the amount of money equal to or more than the centi in the calculation, and the amount of money of the business account and the part of the amount of money equal to or more than the centi in the sending bank is 1 minute less than that of the bank account after the calculation. At this time, 1 minute needs to be transferred from the bank account of the user to the centi-calculation account (platform account). This process may be defined as a "centiborrowing operation".

For example, as shown in table 5 below, user a originally had 100.003 when he paid a service fee of 10.004:

TABLE 5

System for controlling a power supply	Initial value	Increment of	Final value
				Business account	100.003	-10.004	89.999
Bank account	100.00	-10.00	90.00

And after deducting 0.01 for the bank account, as shown in table 6 below:

TABLE 6

System for controlling a power supply	Initial value	Increment of	Final value
				Bank account	90.00	-0.01	89.99

Secondly, the principle of processing the amount tail difference is as follows:

for the case of one-to-one transfer transactions: and respectively carrying out single account tail difference processing on the transferred account and the transferred account, wherein the amounts of money on two sides of the business account and the bank account system and the amounts of money on the two sides and the above part of money are kept consistent.

For a one-to-many transfer transaction scenario: the business account and the bank account may be different when processing account billing, and refer to the following example:

the borrower A repays 100.00, the lender A allots 50.001, the lender B allots 49.999, and the flow is as follows:

step 1, service account pipelining (supporting more than three decimal places)

First-100.00

A+50.001

B+49.999

Step 2, sending bank account transaction flow (only two decimal places are supported)

Methyl- > A50.00

Methyl- > B49.99

Step 3, accounting the bank account (only supporting two decimal places)

Jia-50.00

First-49.99

A+50.00

B+49.99

At this time, the business account A is deducted by 100.00, but only 99.99 is deducted from the bank account, and the business account and the user account on both sides of the bank account have difference, namely the difference is the part which is allocated to the sum of the amounts of A and B cm and below and carries the sum to the point. Therefore, in order to tie two sides and above, a fund operation needs to be added to the bank account, and the flow is as follows:

step 1, service account pipelining

First-100.00

A+50.001

B+49.999

Step 2, sending the bank account flow

Methyl- > A50.00

Methyl- > B49.99

A- > Li operation account 0.01

Step 3, the accounting streamline of the bank account

Jia-50.00

First-49.99

First-0.01

A+50.00

B+49.99

Centi operation account +0.01

Therefore, in the one-to-many transfer process, the financial (such as network credit and the like) business account and the bank account are kept consistent in distribution and the above parts.

For the condition of many-to-one transfer transaction, one-to-many transfer transaction operation modes can be referred, and money needs to be replenished to a transfer account by using a centi operation account.

Based on the above principles, the interaction flow among the modules in the system architecture in fig. 5 is shown in fig. 6, in this embodiment, after each business processing system sends one or more transaction requests, the transaction center processes tail differences in transactions for each transaction request, such as the sum tail difference between the 3 rd position after the decimal point and the sum tail difference after the decimal point, and further generates a transaction tail difference pipeline while generating transaction pipelines at the splicing position, so that errors of more than "point (0.01)" do not occur in the transaction sums;

after receiving the transaction running water and the transaction tail difference running water transmitted by the transaction center, the business account system performs single account moving, can confirm the change of account tail difference amount at the moment to calculate whether carry or return exists, and if so, supplements the tail difference running water of a single account;

and finally, when the business account system calls the bank account system, changing the tail difference elimination of all transaction streams into two-bit precision streams, adding all tail difference streams (also two decimal places) and sending the tail difference streams to the bank account system, and writing the bank account amount value in the bank account system according to the account amount in each stream.

In summary, after the whole transaction is completed, the amount of each business account is only different from the amount of the bank account by a tail amount, and does not exceed one minute. And the tail amount difference is processed when the next transaction is accumulated to one minute, and the difference with the bank account is not expanded to one minute.

Therefore, the processing of the tail amount difference is handed to the transaction center and the business account system for unified processing, and the problem of precision difference among different systems is solved; moreover, the account checking between the business processing system and the transaction pipeline has high precision, and the account checking between the business account and the bank account has two precision, so that the problem of account checking between systems with different precision is solved; in addition, the business processing system does not need to process a series of problems caused by tail difference accumulation, and more accurate system service can be provided for the client.

Therefore, in the present application, a precision difference processing method different from the conventional rounding method is selected, and the difference may be accumulated regardless of the rounding method, and the difference in the amount of money may be expanded within a certain period of time. The technical scheme of the application adds tail difference processing of the transaction center and the business account system, so that the minimum difference between the account amount and the actual due amount can be always ensured, and then the problems in various aspects such as difference expansion, transaction account checking, customer confusion and the like are solved, and the method is a more accurate, scientific and practical transaction system precision difference processing scheme.

The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (11)

1. A method of processing a financial account amount, the method comprising:

obtaining an account transaction request; the account transaction request comprises at least one account identifier, a business account amount value corresponding to the account identifier and a corresponding transaction amount value, and the business account amount value and the transaction amount value have decimal digits of a first quantity;

calculating the amount value of the first digit group in the transaction amount value to obtain the bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number;

adjusting the bank account value based at least on the value of the amount in the second digit group of the transaction amount value to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

2. The method of claim 1, wherein in the event that the account transaction request is a single account or a one-to-one transfer transaction request between two accounts, said adjusting the bank account value to obtain a modified bank account value based at least on the value of the amount in the second digit group of the transaction amount value comprises:

calculating the amount value of the second digit group in the transaction amount value to obtain a calculation result;

and adjusting the bank account sum value at least based on the operation result to obtain a corrected bank account sum value.

3. The method of claim 2, wherein adjusting the bank account amount based on at least the calculation result to obtain a modified bank account amount comprises:

carrying 1 to the amount value of the lowest digit in the bank account amount values under the condition that the operation result indicates that the amount values are addition operation and the highest digit carry exists in the second digit group;

and in the case that the operation result shows that the amount values are subjected to subtraction operation and the highest borrowing position exists in the second digit group, the amount value of the lowest digit in the bank account amount value is refunded by 1.

4. The method of claim 1, wherein in the event that the account transaction request is a one-to-many or many-to-one transfer transaction request between three or more accounts, said adjusting the bank account value based at least on the value of the amount in the second digit group of the transaction amount value to obtain a modified bank account amount value comprises:

obtaining an operation result of addition operation between the amount values on the second digit group in the transaction amount values;

and adjusting the bank account sum value at least based on the operation result to obtain a corrected bank account sum value.

5. The method of claim 4, wherein adjusting the bank account amount value based on at least the operation result to obtain a modified bank account amount value comprises:

under the condition that the account transaction request is a one-to-many transfer transaction request and the highest carry exists in the second digit group of the operation result, the lowest-digit amount value in the bank account amount value is set back to the value of the highest carry;

and under the condition that the account transaction request is a many-to-one transfer transaction request and the highest carry exists in the second digit group of the operation result, carrying the value of the lowest digit in the bank account sum value by the value of the highest carry.

6. An amount processing apparatus for a financial account, comprising:

a request receiving unit, configured to obtain an account transaction request, where the account transaction request includes at least one account identifier, a transaction account amount value corresponding to the account identifier, and a corresponding transaction amount value, and the transaction account amount value and the transaction amount value have decimal digits of a first quantity;

the amount calculation unit is used for calculating the amount value on the first digit group in the transaction amount value to obtain the bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number;

the amount adjusting unit is used for adjusting the bank account amount value at least based on the amount value on the second digit group in the transaction amount to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

7. The apparatus according to claim 6, wherein the amount adjustment unit includes:

the first operation module is used for operating the amount value on the second digit group in the transaction amount value based on the amount value on the second digit group in the transaction amount value to obtain an operation result under the condition that the account transaction request is a single account or a one-to-one transfer transaction request is carried out between two accounts;

and the first adjusting module is used for adjusting the bank account sum value at least based on the operation result so as to obtain a corrected bank account sum value.

8. The apparatus of claim 7, wherein the first adjusting module is specifically configured to:

carrying 1 to the amount value of the lowest digit in the bank account amount values under the condition that the operation result indicates that the amount values are addition operation and the highest digit carry exists in the second digit group;

and in the case that the operation result shows that the amount values are subjected to subtraction operation and the highest borrowing position exists in the second digit group, the amount value of the lowest digit in the bank account amount value is refunded by 1.

9. The apparatus according to claim 6, wherein the amount adjustment unit includes:

the second operation module is used for obtaining an operation result of addition operation between the money values on the second digit group in the transaction money values under the condition that the account transaction request is a one-to-many or many-to-one transfer transaction request between three or more accounts;

and the second adjusting module is used for adjusting the bank account sum value at least based on the operation result so as to obtain a corrected bank account sum value.

10. The apparatus of claim 9, wherein the second adjustment module is specifically configured to:

under the condition that the account transaction request is a one-to-many transfer transaction request and the highest carry exists in the second digit group of the operation result, the lowest-digit amount value in the bank account amount value is set back to the value of the highest carry;

and under the condition that the account transaction request is a many-to-one transfer transaction request and the highest carry exists in the second digit group of the operation result, carrying the value of the lowest digit in the bank account sum value by the value of the highest carry.

11. A server, comprising:

the memory is used for storing the application program and data generated by the running of the application program;

a processor for running the application to implement the following functions:

obtaining an account transaction request; the account transaction request comprises at least one account identifier, a business account amount value corresponding to the account identifier and a corresponding transaction amount value, and the business account amount value and the transaction amount value have decimal digits of a first quantity; calculating the amount value of the first digit group in the transaction amount value to obtain the bank account amount value; wherein the first digit group comprises digits before decimal point in the amount value and digits after decimal point, and the second number is smaller than the first number; adjusting the bank account value based at least on the value of the amount in the second digit group of the transaction amount value to obtain a corrected bank account amount value; the second digit group includes digits of the value other than the first digit group.

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