CN111523998A - Transaction processing method and device - Google Patents
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- CN111523998A CN111523998A CN202010320518.9A CN202010320518A CN111523998A CN 111523998 A CN111523998 A CN 111523998A CN 202010320518 A CN202010320518 A CN 202010320518A CN 111523998 A CN111523998 A CN 111523998A
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Abstract
The invention provides a transaction processing method and a device, wherein the method comprises the following steps: receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a quota set by a user; when the maximum allowable limit of the limit is updated, determining the limit according to the limit attribute parameters; according to the quota limit, the used limit in the quota period and the limit in the transaction request, the transaction request is processed or the transaction request is rejected.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a transaction processing method and apparatus.
Background
The bank card comprises a plurality of limits, each limit has a default limit set by a bank, namely a maximum allowable limit, and a user can set a limit which is smaller than the maximum allowable limit according to own requirements.
The method needs to compile a one-time script when the maximum allowed amount is updated every time, the development cost is high, along with the continuous increase of the types of the bank card limit, a large amount of time and resources are consumed when the script is compiled and executed every time, the efficiency is low, in addition, in the process of issuing the update limit in batch by the script, the requirement on a system is very high, the risk is high, the following three aspects are reflected, once the update fails, the ROLLBACK processing is triggered, and the updated information before the database COMMIT is invalid; if the user is conducting a card-holding transaction while the limit is updated, the user may be unable to conduct the transaction; the time window in which the volume update quota is increased may also affect the overall runtime.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a transaction processing method for improving the updating efficiency of quota limit, which comprises the following steps:
receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a user set quota, and the quota attribute parameter indicates that the maximum allowed quota of the quota is the same as the user set quota, or the quota does not have the user set quota, or the maximum allowed quota of the quota is different from the user set quota;
when the maximum allowable limit of the limit is updated, determining the limit according to the limit attribute parameters;
and processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request.
The embodiment of the invention provides a transaction processing device, which is used for improving the updating efficiency of quota limit, and comprises:
the quota attribute parameter determination module is used for receiving a transaction request and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a quota set by a user, and the quota attribute parameter indicates that the maximum allowed quota of the quota is the same as the quota set by the user, or the quota does not have the quota set by the user, or the maximum allowed quota of the quota is different from the quota set by the user;
the quota limit determining module is used for determining a quota limit according to the quota attribute parameter when the maximum allowable limit of the quota is updated;
and the transaction processing module is used for processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the transaction processing method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the transaction processing method.
The embodiment of the invention comprises the following steps: receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a quota set by a user; when the maximum allowable limit of the limit is updated, determining the limit according to the limit attribute parameters; and processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request. Compared with the prior art that the limit is updated by writing one-time scripts and issuing in batches to update the limit one by one, the limit can be determined according to the limit attribute parameters corresponding to the account information in the transaction request in the card-holding transaction process of the user when the limit maximum limit is updated, so that the cost for developing the scripts is reduced, the update efficiency of the limit is improved, and the risk caused by batch updating is avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a transaction processing method according to an embodiment of the invention;
FIG. 2 is a detailed flowchart of step 102 in FIG. 1;
FIG. 3 is a diagram of a transaction processing method according to an embodiment of the invention;
FIG. 4 is a diagram illustrating the structure of a transaction processing device according to an embodiment of the present invention;
fig. 5 is a schematic diagram of another structure of a transaction processing device according to an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
In order to solve the technical problem that in the prior art, when the maximum allowable limit of the limit is updated, a one-time script needs to be written and the limit needs to be updated one by one in batch, so that the updating efficiency of the limit is low, an embodiment of the present invention provides a transaction processing method for improving the updating efficiency of the limit, fig. 1 is a schematic diagram of a transaction processing method flow in the embodiment of the present invention, and as shown in fig. 1, the method includes:
step 101: receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a user set quota, and the quota attribute parameter indicates that the maximum allowed quota of the quota is the same as the user set quota, or the quota does not have the user set quota, or the maximum allowed quota of the quota is different from the user set quota;
step 102: when the maximum allowable limit of the limit is updated, determining the limit according to the limit attribute parameters;
step 103: and processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request.
As shown in fig. 1, an embodiment of the present invention is implemented by: receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a quota set by a user; when the maximum allowable limit of the limit is updated, determining the limit according to the limit attribute parameters; and processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request. Compared with the prior art that the limit is updated by writing one-time scripts and issuing in batches to update the limit one by one, the limit can be determined according to the limit attribute parameters corresponding to the account information in the transaction request in the card-holding transaction process of the user when the limit maximum limit is updated, so that the cost for developing the scripts is reduced, the update efficiency of the limit is improved, and the risk caused by batch updating is avoided.
In step 101, before receiving a transaction request, a quota attribute parameter corresponding to account information may be set, where the account information may be a card number or an account number, and each card number or account number may include multiple quotas, for example: the method comprises the steps that an ATM (automatic teller machine) draws money daily limit, an ATM transfers money monthly limit, a class II user roll-out annual limit and the like, each limit can be set with a limit attribute parameter, and the limit attribute parameters can be determined according to the maximum allowed limit of the limit and the user set limit, wherein the maximum allowed limit of the limit can be a default limit set by a bank system, as shown in a table 1, the user can adjust the limit according to actual requirements, as shown in a table 2, but the limit set by the user generally cannot exceed the maximum allowed limit.
TABLE 1 quota Default quota Table
| INST_NO | Organization number |
| BIN_NO | BIN numbering |
| PROD_NO | Product numbering |
| PROV_NO | Provincial organization number |
| CURRENCY | Coin kind |
| ITEM_CNT1 | Number of times |
| …… | |
| ITEM_CNT60 | |
| ITEM_LMTT1 | Amount unit |
| …… | |
| ITEM_LMT120 | |
| LAST_MAINT_DATE | Last update date |
Table 2 quota user set quota table
In specific implementation, when the maximum allowable amount of any quota is the same as the user-set amount or the quota does not have the user-set amount, the maximum allowable amount of the quota is considered to be consistent with the user setting, the attribute parameter of the quota can be set as a first attribute parameter, the first attribute parameter can be '0', when the maximum allowable amount of the quota is different from the user-set amount, the attribute parameter of the quota can be set as a second attribute parameter, and the second attribute parameter can be '1'. The quota attribute parameter is the inherent attribute parameter of the card or the account, and the quota attribute parameter corresponding to the account information in the transaction request can be read according to the transaction request each time the user carries out card holding transaction.
Fig. 2 is a detailed flowchart of step 102 in fig. 1, and as shown in fig. 2, in an embodiment, the step 102 determines the quota limit according to the quota attribute parameter, which may include:
step 1021: when the quota attribute parameter is the first attribute parameter, determining the maximum allowed quota after quota updating as a quota according to the first attribute parameter;
the quota attribute parameter is that the first attribute parameter represents that the maximum allowable quota of the quota is the same as the user-set quota or the quota does not have the user-set quota.
In one embodiment, the step 1021 may further include:
and when the quota attribute parameter is the first attribute parameter, determining the quota with the effective time stamp later as the quota based on the maximum allowable quota of the quota and the effective time stamp of the quota set by the user according to the first attribute parameter.
In step 1021, when the maximum allowed quota is updated, the quota may be determined according to the quota attribute parameter read in step 101, and when the attribute parameter of the quota is the first attribute parameter, that is, "0", the maximum allowed quota after the quota update is determined as the quota, for example: the maximum allowable amount of the ATM withdrawal daily limit of a certain account is 1 ten thousand yuan, the user sets the amount to be 1 ten thousand yuan or the user does not set the amount, the limit attribute parameter of the ATM withdrawal daily limit of the certain account is '0', and when the maximum allowable amount of the ATM withdrawal daily limit is changed into 2 ten thousand yuan, the changed maximum allowable amount of 2 ten thousand yuan can be used as the amount of the ATM withdrawal daily limit of the certain account based on the limit attribute parameter '0'. Because one account can include multiple limits, when the maximum allowed limits of the multiple limits are changed simultaneously and the limit attribute parameter is "0", in order to avoid comparing the changed maximum allowed limits of each limit with the limit set by the user one by one, the limit after the effective timestamp can be determined as the limit based on the maximum allowed limit of the limits and the effective timestamp of the limit set by the user, for example, the maximum allowed limit can be compared with the effective timestamp of the limit set by the user, when the effective timestamp of the maximum allowed limit is later than the effective timestamp of the limit set by the user, the maximum allowed limit is determined as the limit, and when the effective timestamp of the limit set by the user is later than the effective timestamp of the maximum allowed limit, the maximum allowed limit is determined as the limit.
As shown in fig. 2, in an embodiment, the step 102 of determining the quota limit according to the quota attribute parameter may further include:
step 1022: when the quota attribute parameter is a second attribute parameter, determining the smaller value between the maximum allowed quota after quota updating and the user set quota as a quota according to the second attribute parameter;
the quota attribute parameter is a second attribute parameter which represents that the maximum allowable quota of the quota is different from the quota set by the user.
In specific implementation, in step 1022, when the attribute parameter of the quota is set as "1" which is the second attribute parameter, the smaller value between the maximum allowed quota updated by the quota and the quota set by the user is determined as the quota, for example: the maximum allowable amount of the ATM withdrawal daily limit of a certain account is 1 ten thousand yuan, the user sets the amount to be 5 thousand yuan, the limit attribute parameter of the ATM withdrawal daily limit of the account is '1', when the maximum allowable amount of the ATM withdrawal daily limit is changed into 2 ten thousand yuan, the smaller value between the maximum allowable amount after limit updating and the user set amount of 5 thousand yuan can be determined as the amount of the ATM withdrawal daily limit of the account based on the limit attribute parameter '1', namely 5 thousand yuan is determined; when the maximum allowable amount of the ATM withdrawal daily limit is changed to 3 thousand yuan, the smaller value between the maximum allowable amount after the limit is updated by 3 thousand yuan and the user-set amount of 5 thousand yuan can be used as the amount of the ATM withdrawal daily limit of the account based on the limit attribute parameter of '1'.
In one embodiment, after determining the quota limit in step 102, the method may further comprise:
and updating the quota attribute parameters according to the updated maximum allowable quota and the user set quota.
In specific implementation, the maximum allowable limit after the limit updating can be compared with the limit set by the user, and the limit attribute parameter is determined again according to the comparison result, so that the limit can be determined when the maximum allowable limit of the limit is updated again.
In specific implementation, in step 103, after the quota limit is determined, the request quota in the current transaction may be read first, then the existing transaction quota and the transaction frequency of the quota in the accumulation period are read from the account quota accumulation table, the existing transaction quota and the request quota in the current transaction are added, the transaction frequency is accumulated, if the added quota exceeds the quota limit, the current transaction is rejected, if the added quota does not exceed the quota limit, the current transaction is processed, and the current transaction information is updated to the account quota accumulation table.
The following is a specific example to facilitate an understanding of how the invention may be practiced. Fig. 3 is a schematic diagram of a specific embodiment of a transaction processing method according to an embodiment of the present invention, as shown in fig. 3, including the following steps:
the first step is as follows: setting a quota attribute parameter to be '0' or '1' according to the maximum allowable quota of the quota and the quota set by the user;
the second step is that: receiving a transaction request, and reading quota attribute parameters corresponding to account information in the transaction request;
the third step: when the maximum allowance limit of the limit is updated, determining the limit according to the limit attribute parameter, and when the limit attribute parameter is set to be 0, determining the maximum allowance limit after the limit is updated as the limit or determining the limit after the maximum allowance limit of the limit and the effective timestamp of the limit set by the user are lower as the limit; when the attribute parameter of the quota is set as a second attribute parameter, namely '1', determining the smaller value between the maximum allowed quota after the quota update and the user set quota as the quota;
the fourth step: re-determining the quota attribute parameters according to the updated maximum allowable quota and the user set quota;
the fifth step: reading the request amount in the transaction, the existing transaction amount and the transaction times of the limit in the accumulation period, adding the existing transaction amount and the request amount in the transaction, and if the added amount exceeds the limit amount, rejecting the transaction; and if the added amount does not exceed the limit amount, processing the transaction.
Based on the same inventive concept, the embodiment of the present invention further provides a transaction processing apparatus, such as the following embodiments. Because the principle of the transaction processing device for solving the problems is similar to the transaction processing method, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
In order to solve the technical problem that in the prior art, when the maximum allowable quota of the quota is updated, a one-time script needs to be written and the quota limit needs to be updated in batch one by one, so that the updating efficiency of the quota limit is low, an embodiment of the present invention provides a transaction processing apparatus for improving the updating efficiency of the quota limit, fig. 4 is a schematic diagram of a structure of the transaction processing apparatus in the embodiment of the present invention, and as shown in fig. 4, the apparatus includes:
the quota attribute parameter determining module 01 is used for receiving a transaction request and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a user set quota, and the quota attribute parameter indicates that the maximum allowed quota of the quota is the same as the user set quota, or the quota does not have the user set quota, or the maximum allowed quota of the quota is different from the user set quota;
the quota limit determining module 02 is used for determining a quota limit according to the quota attribute parameters when the maximum allowable quota of the quota is updated;
the transaction processing module 03 is configured to process the transaction request or reject the transaction request according to the quota, the used quota in the quota period, and the quota in the transaction request.
In one embodiment, the quota limit determining module 02 is specifically configured to:
when the quota attribute parameter is the first attribute parameter, determining the maximum allowed quota after quota updating as a quota according to the first attribute parameter;
the quota attribute parameter is that the first attribute parameter represents that the maximum allowable quota of the quota is the same as the user-set quota or the quota does not have the user-set quota.
In one embodiment, the quota determining module 02 is further configured to:
and when the quota attribute parameter is the first attribute parameter, determining the quota with the effective time stamp later as the quota based on the maximum allowable quota of the quota and the effective time stamp of the quota set by the user according to the first attribute parameter.
In one embodiment, the quota determining module 02 is further configured to:
when the quota attribute parameter is a second attribute parameter, determining the smaller value between the maximum allowed quota after quota updating and the user set quota as a quota according to the second attribute parameter;
the quota attribute parameter is a second attribute parameter which represents that the maximum allowable quota of the quota is different from the quota set by the user.
Fig. 5 is a schematic diagram of another structure of the transaction processing apparatus according to the embodiment of the present invention, as shown in fig. 5, in an embodiment, the transaction processing apparatus further includes a quota attribute parameter updating module 04, configured to:
and updating the quota attribute parameters according to the updated maximum allowable quota and the user set quota.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the transaction processing method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the transaction processing method.
In summary, the embodiment of the present invention provides: receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a quota set by a user; when the maximum allowable limit of the limit is updated, determining the limit according to the limit attribute parameters; and processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request. Compared with the prior art that the limit is updated by writing one-time scripts and issuing in batches to update the limit one by one, the limit can be determined according to the limit attribute parameters corresponding to the account information in the transaction request in the card-holding transaction process of the user when the limit maximum limit is updated, so that the cost for developing the scripts is reduced, the update efficiency of the limit is improved, and the risk caused by batch updating is avoided.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and variations of the embodiment of the present invention may occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A transaction processing method, comprising:
receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a user set quota, and the quota attribute parameter indicates that the maximum allowed quota of the quota is the same as the user set quota, or the quota does not have the user set quota, or the maximum allowed quota of the quota is different from the user set quota;
when the maximum allowance limit of the limit is updated, determining the limit according to the limit attribute parameters;
and processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request.
2. The method of claim 1, wherein determining a quota limit based on the quota attribute parameter comprises:
when the quota attribute parameter is a first attribute parameter, determining the maximum allowed quota after quota updating as a quota according to the first attribute parameter;
the quota attribute parameter is that the first attribute parameter represents that the maximum allowable quota of the quota is the same as the user-set quota, or the quota does not have the user-set quota.
3. The method of claim 1, wherein determining the quota's amount based on the quota attribute parameter, further comprises:
and when the quota attribute parameter is a first attribute parameter, determining the quota after the effective time stamp as the quota based on the maximum allowable quota of the quota and the effective time stamp of the quota set by the user according to the first attribute parameter.
4. The method of claim 1, wherein determining a quota limit based on the quota attribute parameter, further comprises:
when the quota attribute parameter is a second attribute parameter, determining the smaller value between the maximum allowed quota after quota updating and the user set quota as a quota according to the second attribute parameter;
the quota attribute parameter is a second attribute parameter which represents that the maximum allowable quota of the quota is different from the quota set by the user.
5. The method of claim 1, wherein after determining the quota limit, the method further comprises:
and updating the quota attribute parameters according to the updated maximum allowable quota and the user set quota.
6. A transaction processing device, comprising:
the quota attribute parameter determination module is used for receiving a transaction request and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a quota set by a user, and the quota attribute parameter indicates that the maximum allowed quota of the quota is the same as the quota set by the user, or the quota does not have the quota set by the user, or the maximum allowed quota of the quota is different from the quota set by the user;
the quota limit determining module is used for determining a quota limit according to the quota attribute parameter when the maximum allowable limit of the quota is updated;
and the transaction processing module is used for processing the transaction request or rejecting the transaction request according to the quota limit, the used quota in the quota period and the quota in the transaction request.
7. The apparatus of claim 6, wherein the quota determining module is specifically configured to:
when the quota attribute parameter is a first attribute parameter, determining the maximum allowed quota after quota updating as a quota according to the first attribute parameter;
the quota attribute parameter is that the first attribute parameter represents that the maximum allowable quota of the quota is the same as the user-set quota, or the quota does not have the user-set quota.
8. The apparatus of claim 6, wherein the quota determining module is further to:
when the quota attribute parameter is a second attribute parameter, determining the smaller value between the maximum allowed quota after quota updating and the user set quota as a quota according to the second attribute parameter;
the quota attribute parameter is a second attribute parameter which represents that the maximum allowable quota of the quota is different from the quota set by the user.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
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| CN113283907A (en) * | 2021-05-31 | 2021-08-20 | 中国民航信息网络股份有限公司 | Order request processing method, related device and storage medium |
| CN113283907B (en) * | 2021-05-31 | 2024-05-03 | 中国民航信息网络股份有限公司 | Order request processing method, related device and storage medium |
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