CN112085486A - Method and system for improving fund issuing capacity - Google Patents
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Abstract
The invention discloses a method and a system for improving fund issuing capacity, which are applied to a server group, and the method comprises the following steps: and creating at least one sub-account corresponding to the total account according to the amount of the fund issuing request of the merchant, wherein the total account and the sub-accounts are arranged in a server group, the sub-account states comprise an available state and an unavailable state, the fund recharged by the merchant is distributed to the corresponding sub-accounts through the total account, and the sub-accounts in the available state are selected to process the fund issuing request of the merchant. The invention balances the fund issued by the customer to the sub-accounts, processes the fund issued transaction by utilizing a plurality of sub-accounts, can improve the processing capacity of the transaction order, and can process N times of orders in the prior processing technology by N accounts, thereby improving the customer satisfaction.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a system for improving fund issuing capacity.
Background
At present, when a merchant needs to issue funds, operations such as balance change for the same account mostly follow a serialization processing principle, that is, for the same account, when a plurality of funds issue requests occur at the same time, only one funds issue request can be executed at the same time point. The serialization process requires locking the account with an exclusive lock, and each account can only use one exclusive lock. This serialized approach may prevent the loss of funds due to errors in the results of operations resulting from performing multiple funds-issuing operations on the account at the same time.
Although the above serialization processing method can avoid the risk of capital loss caused by executing multiple capital issuing operations to the account at the same time, it cannot improve the capital issuing efficiency, and when there are many capital issuing requests, the serialization processing may cause the problems of long time-consuming capital issuing order processing, low customer satisfaction, and the like.
Disclosure of Invention
The invention aims to provide a method for improving fund sending capability and a system for improving the fund sending capability aiming at the defects of the prior art.
The invention provides a method for improving fund sending capability, which is applied to a server group;
the method comprises the following steps:
creating at least one sub-account corresponding to a general account according to the amount of the merchant fund issuing request, wherein the general account and the sub-account are arranged in a server group, and the state of the sub-account comprises an available state and an unavailable state;
the funds recharged by the merchant are distributed to the corresponding sub-accounts through the general account;
and the sub-account in the available state processes the fund issuing request of the merchant.
Preferably, the creating at least one sub-account corresponding to the general account according to the amount of the merchant fund issuing request includes:
the total account weight value is determined according to the total fund issuing request number of the merchant and the fund issuing request number which is carried out simultaneously, and the total account weight value is the same as the sub-account weight value;
and creating a corresponding number of sub-accounts according to the weight value of the total account and a set standard.
Preferably, the total account weight value is determined according to the total fund issuing request number of the merchants and the fund issuing request number performed at the same time.
Preferably, the total account weight value is determined according to the total fund issuing request number of the total accounts of the previous day/previous month and the maximum fund issuing request number which is performed at the same time.
Preferably, the total account weight value is obtained by a weight calculation formula, and the weight calculation formula is as follows:
the total request receiving number of the unit and the simultaneous request receiving number of the unit are set values, and the total account weight value is positively correlated with the total fund issuing request number of the merchant and the simultaneous fund issuing request number.
Preferably, the server group includes a first server and a plurality of second servers, the general account is set on the first server, the sub-accounts are set on the second servers, and each sub-account corresponding to the same general account is set on a different second server.
Preferably, the total number of requests received by the unit is determined by the processing capacity of the first server, and the number of simultaneous requests received by the unit is determined by the processing capacity of the second server.
Preferably, the second server weight value is equal to the sum of weight values of all opened sub-accounts inside the server.
Preferably, the general account information includes, but is not limited to, information such as a merchant number, a general account number, a weight value, a first server address, an available balance, a frozen amount, and the like.
Preferably, the method for selecting an opening position by the sub account includes:
sorting the weighted values of the second servers; and opening the sub-accounts in the second servers according to the sequence of the weighted values of the second servers from small to large.
Preferably, the sub-account opening method includes:
generating a corresponding sub-account number through the second server, and initializing the sub-account information, wherein the sub-account information includes but is not limited to information such as the sub-account number, the address of the second server, available balance, frozen amount and the like;
interacting with the general account, and acquiring the information by the sub-account, including but not limited to: information such as a merchant number, a total account number, a weight value, a first server address and the like;
interacting with the sub-accounts, and the information acquired by the general account includes but is not limited to: sub account number, second server address, etc.
Preferably, the sub-accounts of the total account can be transferred in each second server, and after the transfer, the sub-accounts in the second servers are closed.
Preferably, to balance the weight values of the second servers, the sub-account with a larger weight value is transferred to the second server with a smaller weight value.
Preferably, the second server is dynamically added.
Preferably, the step of allocating the funds recharged by the merchant to each sub-account corresponding to the total account includes:
the general account can increase the recharging amount of the merchant by the balance; counting the available balance of the general account and the available balance in each sub-account corresponding to the general account as allocable balance; and distributing the allocable balance to each sub-account, wherein the final available balance values of the sub-accounts are equal.
Preferably, all of said sub-accounts that are in an unavailable state are activated to an available state before an allocatable balance is allocated to each of said sub-accounts.
Preferably, the merchant recharging method includes, but is not limited to: B2B performing modes of net banking, offline money making and the like.
Preferably, after the recharging is successful, a bank channel notification is received, and the notification mode includes but is not limited to: short message, APP reminding and the like.
Preferably, after the recharging is successful, the general account can increase the recharging amount by the balance.
Preferably, the processing of the fund issuing request of the merchant by the sub-account in the available state includes:
freezing an available balance in the sub-account; and according to the sum of the available balances in the sub-account and the general account, the sub-account sends a request to a bank channel/sends an vacancy transfer request to the general account/transfers the available balance to the general account.
Preferably, freezing the available balance in the sub-account in the available state comprises: randomly selecting/designating a sub-account of available status.
Preferably, according to the sum of the available balances in the sub-account and the general account, the sub-account sends a request to a bank channel/sends an vacancy transfer request to the general account/transfers the available balance to the general account, including:
if the available balance frozen in the sub-account is sufficient, the sub-account sends a transaction request to a bank channel to issue real funds;
if the frozen available balance in the sub-account is insufficient and the sum of the available balances in the sub-account and the general account is sufficient, the sub-account sends an deficit transfer request to the general account, the part of the available balance of the general account used for transferring the amount is frozen, and the sub-account sends a transaction request to a bank channel to issue real funds;
if the frozen available balance in the sub-account is insufficient and the available balance in the general account is insufficient to realize the vacancy transfer request, transferring the frozen available balance in the sub-account to the general account, setting the sub-account to be in an unavailable state,
and circularly selecting the sub-account in another available state to process the fund issuing request of the merchant until the sum of the available balances in the sub-account and the general account is sufficient/all the sub-accounts are in an unavailable state.
Preferably, the sub-account set to the unavailable state continues until the merchant charges the next time.
Preferably, if all the sub-accounts are in the unavailable state, transaction failure information is returned.
Preferably, when all the sub-accounts are in the unavailable state, the returned transaction failure information includes, but is not limited to, failure reasons and follow-up operation suggestions.
Preferably, after the sub-account sends a transaction request to a bank channel for real fund issue, the method further includes:
and returning transaction success information by the bank channel, searching corresponding sub-accounts and the general account, unfreezing the available balance in the sub-accounts and the frozen amount in the general account, and executing deduction operation on the available balance in the sub-accounts and the available balance in the general account.
Preferably, after the transaction is successful, a bank channel notification is received, and the notification manner includes but is not limited to: short message and APP reminding.
Preferably, after the sub-account sends a transaction request to a bank channel for real fund issue, the method further includes:
and returning transaction failure information by the bank channel, searching the corresponding sub-account and the general account, and unfreezing the available balance in the sub-account and the frozen amount in the general account.
Preferably, a bank channel notification is received after the transaction fails, and the notification includes but is not limited to: short message and APP reminding.
Preferably, the bank channel returns transaction failure information including, but not limited to, failure reason and follow-up action recommendations.
The second aspect of the invention provides a system for improving the fund sending capability, which is applied to a server group;
the system comprises:
the account creating module is used for creating at least one sub-account corresponding to the general account according to the fund issuing request quantity of the merchant, wherein the sub-accounts are created in the server group, and the sub-account state comprises an available state and an unavailable state;
the fund distribution module is used for distributing the fund recharged by the merchant to the corresponding sub-account through the general account;
and the request processing module is used for processing the fund issuing request of the merchant by the sub-account in the available state.
Preferably, the account creating module is further configured to count a total fund issuing request number of the merchant, a fund issuing request number performed at the same time, and calculate a total account weight value, the account creating module creates a corresponding number of sub-accounts according to a set standard according to the total account weight value, and the larger the total account weight value is, the larger the number of created sub-accounts is.
Preferably, the account number creating module counts the total fund issuing request number of the total accounts of the last day/last month and the maximum fund issuing request number which is performed simultaneously.
Preferably, the total account weight value is obtained by a weight calculation formula, and the weight calculation formula is as follows:
the total request receiving number of the unit and the simultaneous request receiving number of the unit are set values, and the total account weight value is positively correlated with the total fund issuing request number of the merchant and the simultaneous fund issuing request number.
Preferably, the total account weight value and the sub-account weight value are the same.
Preferably, the server group includes a first server and a plurality of second servers, the account creating module opens a general account in the first server, the account creating module opens the sub-accounts in the second servers, and each sub-account corresponding to the same general account is opened in a different second server.
Preferably, the total number of requests received by the unit is determined by the processing capacity of the first server, and the number of simultaneous requests received by the unit is determined by the processing capacity of the second server.
Preferably, the second server weight value is equal to the sum of weight values of all opened sub-accounts inside the server.
Preferably, the general account information includes, but is not limited to, information such as a merchant number, a general account number, a weight value, a first server address, an available balance, a frozen amount, and the like.
Preferably, when the account creation module creates the sub-account, the step of selecting the opening position of the sub-account includes:
the account creating module sorts the weighted values of the second servers; and opening the sub-accounts in the second servers according to the sequence of the weighted values of the second servers from small to large.
Preferably, the step of creating a sub-account by the account creation module includes:
the account creating module generates a corresponding sub-account number through the second server and initializes the sub-account information, wherein the sub-account information includes but is not limited to the sub-account number, the address of the second server, available balance, frozen amount and other information;
interacting with the general account, and acquiring the information by the sub-account, including but not limited to: information such as a merchant number, a total account number, a weight value, a first server address and the like;
interacting with the sub-accounts, and the information acquired by the general account includes but is not limited to: sub account number, second server address, etc.
Preferably, the account creation module is further configured to transfer the sub-accounts existing in the general account in each second server, and close the sub-accounts in the second server after the transfer.
Preferably, to balance each weight value of the second servers, the account creation module is further configured to transfer the sub-account with a larger weight value to the second server with a smaller weight value.
Preferably, the second server is dynamically added.
Preferably, the fund distribution module is configured to:
adding the charging amount of the merchant for the available balance of the general account;
counting the available balance of the general account and the available balance in each sub-account corresponding to the general account as allocable balance;
and distributing the allocable balance to each sub-account, wherein the final available balances of the sub-accounts are equal.
Preferably, the fund allocation module activates all of the sub-accounts in the unavailable state to the available state before allocating the allocable balance to each of the sub-accounts.
Preferably, the merchant recharging method includes, but is not limited to: B2B performing modes of net banking, offline money making and the like.
Preferably, after the recharging is successful, the general account can increase the recharging amount by the balance.
Preferably, the request processing module is configured to:
freezing an available balance in the sub-account; the sub-account sends a request to a bank channel; the sub-account sends an vacancy transfer request to the general account; the sub-account transfers the available balance to the general account.
Preferably, the request processing module randomly selects/designates a sub-account of an available status.
Preferably, if the available balance frozen in the sub-account is sufficient, the sub-account sends a transaction request to a bank channel through a request processing module to issue real funds;
if the frozen available balance in the sub-account is insufficient and the sum of the available balances in the sub-account and the general account is sufficient, the sub-account sends an deficit transfer request to the general account through a request processing module, the request processing module freezes the part of the available balance of the general account, which is used for transferring the amount of money, and the sub-account sends a transaction request to a bank channel through the request processing module to send real funds;
if the frozen available balance in the sub-account is insufficient and the available balance in the general account is insufficient to realize the request for transferring the deficit, transferring the frozen available balance in the sub-account to the general account through the request processing module, setting the sub-account to be in an unavailable state through the request processing module,
and circularly selecting the sub-account in another available state through the request processing module to process the fund issuing request of the merchant until the sum of the available balances in the sub-account and the total account is sufficient/all the sub-accounts are in an unavailable state.
Preferably, the sub-account set to the unavailable state continues until the merchant charges the next time.
Preferably, if all the sub-accounts are in an unavailable state, the request processing module returns transaction failure information.
Preferably, after the sub-account sends the transaction request to the bank channel through the request processing module for real fund issue, the method further includes:
the request processing module receives transaction success information returned by a bank channel, searches for the corresponding sub-account and the corresponding general account, unfreezes the available balance in the sub-account and the frozen amount in the general account, and executes deduction operation on the available balance in the sub-account and the available balance in the general account.
Preferably, after the sub-account sends the transaction request to the bank channel through the request processing module for real fund issue, the method further includes:
the request processing module receives transaction failure information returned by a bank channel, searches for a corresponding sub-account and a corresponding general account, and unfreezes available balance in the sub-account and frozen amount in the general account.
Preferably, the system further comprises an announcement module for informing the merchant of the specific transaction situation.
Preferably, the specific transaction conditions include, but are not limited to: the transaction failure information returned by the request processing module, the transaction success information returned by the bank channel and the transaction success information returned by the bank channel.
Preferably, the notification module notifies the merchant of the transaction condition by a manner including, but not limited to: short message and APP reminding.
The invention provides a method and a system for improving fund issuing capacity, which have the beneficial effects that:
1. the issued funds of the customers are balanced to the sub-accounts, and the multiple sub-accounts are used for processing the issued funds transaction, so that the processing capacity of transaction orders can be improved, N accounts can process orders which are N times of the orders processed by the prior art, and the customer satisfaction degree is improved;
2. the total account and each sub-account are distributed in different servers of the server group, the computing power of the server group is utilized to the maximum extent, and meanwhile the task load of the servers is balanced;
3. the sub-accounts with the large weight are arranged in the servers with the small weight, the weight values of the servers are balanced, the task load of the servers is further balanced, and the server damage caused by the fact that the weight of one server is too high is reduced.
Drawings
Fig. 1 is a schematic configuration diagram of a general account and a sub-account of the present invention.
FIG. 2 is a schematic diagram of a method of enhancing the ability to send down funds in accordance with the present invention;
FIG. 3 is a flow chart of the invention for creating a sub-account;
FIG. 4 is a top-up fund distribution flow diagram of the present invention;
FIG. 5 is a flow chart of the fund distribution request processing of the present invention;
FIG. 6 is a schematic diagram of a system for enhancing the ability to issue funds in accordance with the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
A method for improving fund issuing capacity is disclosed, and referring to FIG. 1, the method is applied to a server group, the server group comprises a first server and a plurality of second servers, the first server and each second server are physically isolated and can perform information transmission, a merchant sets a total account in the first server, a second server sets sub-accounts, one merchant has only one total account, one total account corresponds to at least one sub-account, each sub-account corresponding to the same total account is set in different second servers, wherein the sub-account status comprises an available status and an unavailable status.
Referring to fig. 2, the method of enhancing the fund issuing capability includes:
s01, creating at least one sub-account corresponding to the general account according to the amount of the request for sending the merchant funds;
s02, distributing the funds recharged by the merchant to the corresponding sub-accounts through the general account;
and S03, selecting the sub-account with the available state to process the fund issuing request of the merchant.
In particular, the method comprises the following steps of,
referring to fig. 3, creating at least one sub-account corresponding to the general account according to the amount of the request for issuing the merchant funds includes:
a01, determining the number of the corresponding sub-accounts needed by the total account.
The total account weight value is determined according to the total fund issuing request number of the merchant and the fund issuing request number which is carried out simultaneously, and the total account weight value is the same as the sub-account weight value;
the total account weight value is obtained by a weight calculation formula, wherein the weight calculation formula is as follows:
the total request receiving number of the unit and the simultaneous request receiving number of the unit are set values, and the formula can know that the total account weight value is positively correlated with the total fund issuing request number of the merchant and the simultaneous fund issuing request number.
And creating a corresponding number of sub-accounts according to the weight value of the total account and a set standard, wherein the larger the weight value of the total account is, the larger the number of created sub-accounts is.
And A02, selecting the opening position of the sub account.
The weight value of the second server is equal to the sum of the weight values of all opened sub-accounts in the second server;
sorting the weighted values of the second servers;
and opening the sub-accounts in the second servers according to the sequence of the weighted values of the second servers from small to large.
A03, creating a sub-account on the selected second server.
Generating, by the second server, a corresponding sub-account number, and initializing sub-account information, wherein,
sub-account information includes, but is not limited to: the sub-account number, the address of the second server, the available balance, the frozen amount and other information, and the general account information includes but is not limited to: information such as a merchant number, a total account number, a weight value, a first server address, an available balance, a frozen amount and the like;
interacting with the general account, the sub-account acquisition information includes but is not limited to: information such as a merchant number, a total account number, a weight value, a first server address and the like; interacting with the sub-accounts, the information obtained by the general account includes but is not limited to: sub account number, second server address, etc.
Referring to fig. 4, the step of distributing the funds recharged by the merchant to the corresponding sub-accounts through the general account includes:
b01, counting the available balance of the total account and the available balance in each sub-account corresponding to the total account as an allocable balance;
b02, activating all sub accounts in the unavailable state to be in the available state;
and B03, distributing the allocable balance to each sub-account, wherein the final available balances of the sub-accounts are equal.
Referring to fig. 5, selecting the sub-account with the available status to process the fund issuing request of the merchant includes:
c01, inquiring whether a sub-account with an available state exists, if so, executing C02, and if not, outputting transaction failure information to prompt that the balance is insufficient;
c02, randomly selecting a sub-account in an available state, freezing available balance in the sub-account, and executing C03;
c03, judging whether the available balance frozen in the sub-account meets the fund issuing request, if so, executing C07, and if not, executing C04;
c04, judging whether the sum of the available balances in the sub account and the general account meets the fund issuing request, if so, executing C05, and if not, executing C10;
c05, sending a request for transferring the vacancy to the general account, and executing C06;
c06, freezing the part for transferring money in the available balance of the total account, and executing C07;
c07, sending transaction request to bank channel for real fund issue, executing C08;
c08, judging whether the bank channel returns the transaction success information, if yes, executing C09, if not, searching the corresponding sub-account and the total account, unfreezing the available balance in the sub-account and the frozen amount in the total account, outputting the transaction failure information and prompting the bank to have problems;
c09, searching the corresponding sub-account and the total account, unfreezing the available balance in the sub-account and the frozen amount in the total account, and executing deduction operation on the available balance in the sub-account and the available balance in the total account;
and C10, transferring the frozen available balance in the sub account to the general account, setting the sub account to be in an unavailable state, and executing C01.
Referring to fig. 6, the system for enhancing the fund issuing capability includes:
the system comprises an account creating module, a fund distribution module, a request processing module and an informing module.
An account creation module:
the account weight determining device is used for determining the weight value of the total account and determining the number of sub-accounts to be created according to the weight value of the total account and a set standard;
the system is used for sequencing the weighted values of the second servers and appointing the opening sequence of the second servers of the sub-accounts;
the account management server is used for generating corresponding sub-account numbers through the second server, initializing sub-account information and interacting information between the total account and the sub-accounts.
A fund distribution module:
the system is used for counting the available balance of the general account and taking the available balance in each sub-account corresponding to the general account as an allocable balance;
the account activating device is used for activating all the sub-accounts in the unavailable state into the available state;
the method is used for distributing the allocable balance to each sub-account and enabling the final available balances of the sub-accounts to be equal.
A request processing module:
a sub-account for querying whether an available status exists;
randomly selecting a sub-account in an available state, and freezing an available balance in the sub-account;
the system is used for judging whether the available balance frozen in the sub-account meets a fund issuing request or not;
the system is used for judging whether the sum of the available balances in the sub-account and the general account meets the fund issuing request or not;
the system is used for sending an vacancy transfer request to the general account, freezing the part used for transferring the amount in the available balance of the general account, and sending a transaction request to a bank channel for real fund issuing;
the system is used for receiving transaction success information returned by the bank channel;
the system is used for receiving the transaction failure information returned by the channel and outputting the transaction failure information to prompt the bank to have problems;
and the account deducting system is used for searching the corresponding sub-account and the general account, unfreezing the available balance in the sub-account and the frozen amount in the general account, and executing money deducting operation on the available balance in the sub-account and the available balance in the general account.
The system is used for transferring the frozen available balance in the sub-account to the general account and setting the sub-account to be in an unavailable state;
and the balance is insufficient when the transaction failure information is output.
An announcement module:
the system is used for receiving the transaction failure information output by the request processing module and feeding back the transaction failure information to the merchant;
the system is used for receiving the transaction success information returned by the bank channel and feeding back the transaction success information to the merchant;
the transaction success information is used for being returned by the bank channel and is fed back to the merchant;
the manner of the notification module feeding back the merchant includes, but is not limited to: short message and APP reminding.
In conclusion, the invention has the beneficial effects that:
1. the issued funds of the customers are balanced to the sub-accounts, and the multiple sub-accounts are used for processing the issued funds transaction, so that the processing capacity of transaction orders can be improved, N accounts can process orders which are N times of the orders processed by the prior art, and the customer satisfaction degree is improved;
2. the total account and each sub-account are distributed in different servers of the server group, the computing power of the server group is utilized to the maximum extent, and meanwhile the task load of the servers is balanced;
3. the sub-accounts with the large weight are arranged in the servers with the small weight, the weight values of the servers are balanced, the task load of the servers is further balanced, and the server damage caused by the fact that the weight of one server is too high is reduced.
The present embodiment is only for explaining the present invention, and it is not limited to the present invention, and those skilled in the art can make modifications of the present embodiment without inventive contribution as needed after reading the present specification, but all of them are protected by patent law within the scope of the claims of the present invention.
Claims (10)
1. A method for improving fund issuing capability is characterized in that the method is applied to a server group;
the method comprises the following steps:
creating at least one sub-account corresponding to a general account according to the amount of the merchant fund issuing request, wherein the general account and the sub-account are arranged in a server group, and the state of the sub-account comprises an available state and an unavailable state;
the funds recharged by the merchant are distributed to the corresponding sub-accounts through the general account;
and selecting the sub-account in the available state to process the fund issuing request of the merchant.
2. The method of claim 1, wherein the creating at least one sub-account corresponding to the general account according to the amount of the request for sending the merchant funds comprises:
the total account weight value is determined according to the total fund issuing request number of the merchant and the fund issuing request number which is carried out simultaneously, and the total account weight value is the same as the sub-account weight value;
and creating a corresponding number of sub-accounts according to the weight value of the total account and a set standard.
3. The method according to claim 2, wherein the server group includes a first server and a plurality of second servers, the general account is opened on the first server, the sub-accounts are opened on the second servers, and each sub-account corresponding to the same general account is opened on a different second server.
4. The method as claimed in claim 3, wherein the second server weight value is equal to the sum of all the opened sub-account weight values in the second server, and the newly generated sub-account of the general account is opened in the second server with the smallest weight value.
5. The method of claim 1, wherein the step of allocating the funds replenished by the merchant to the sub-account corresponding to the general account comprises:
the general account can increase the recharging amount of the merchant by the balance;
counting the available balance of the general account and the available balance in each sub-account corresponding to the general account as allocable balance;
and equally distributing the allocable balance to each sub-account, wherein the final available balance of the sub-accounts is the quotient of the allocable balance and the number of the sub-accounts.
6. The method of claim 5, wherein all sub-accounts that are unavailable are activated to an available state before the allocatable balance is distributed equally to each of said sub-accounts.
7. The method of claim 1, wherein the processing the fund issuing request of the merchant by the sub-account in the available state comprises:
freezing an available balance in the sub-account in an activated state;
and according to the sum of the available balances in the sub-account and the general account, the sub-account sends a request to a bank channel/sends an vacancy transfer request to the general account/transfers the available balance to the general account.
8. The method of claim 7, wherein the sub-account sends a request to a bank channel/sends a request for transferring an amount of deficit to the general account/transfers an available balance to the general account according to the sum of the available balances in the sub-account and the general account, comprising:
if the available balance frozen in the sub-account is sufficient, the sub-account sends a transaction request to a bank channel to issue real funds;
if the frozen available balance in the sub-account is insufficient and the sum of the available balances in the sub-account and the general account is sufficient, the sub-account sends an deficit transfer request to the general account,
freezing a portion of the total account available balance for the transfer amount,
the sub-account sends a transaction request to a bank channel to issue real funds;
if the frozen available balance in the sub-account is insufficient and the available balance in the general account is insufficient to realize the deficit transfer request,
transferring the frozen available balance in the sub-account to the general account,
setting the sub-account to an unavailable state,
and circularly selecting the sub-account in another available state to process the fund issuing request of the merchant until the sum of the available balances in the sub-account and the general account is sufficient/all the sub-accounts are in an unavailable state.
9. The method of claim 8, wherein after the sub-account sends a transaction request to a bank channel for actual fund delivery, the method further comprises:
the bank channel returns a transaction success message,
searching the corresponding sub-account and the general account,
unfreezing the available balance in the sub-account and the frozen amount in the general account,
and executing deduction operation on the available balance in the sub-account and the available balance in the general account.
10. A system for improving fund sending capability is characterized in that the system is applied to a server group;
the method comprises the following steps:
the account creating module is used for creating at least one sub-account corresponding to the general account according to the fund issuing request quantity of the merchant, wherein the sub-accounts are created in the server group, and the sub-account state comprises an available state and an unavailable state;
the fund distribution module is used for distributing the fund recharged by the merchant to the corresponding sub-account through the general account;
and the request processing module is used for processing the fund issuing request of the merchant by the sub-account in the available state.
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