CN113487306A - Multi-account transaction processing method and device - Google Patents
Multi-account transaction processing method and device Download PDFInfo
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- CN113487306A CN113487306A CN202110849330.8A CN202110849330A CN113487306A CN 113487306 A CN113487306 A CN 113487306A CN 202110849330 A CN202110849330 A CN 202110849330A CN 113487306 A CN113487306 A CN 113487306A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/22—Indexing; Data structures therefor; Storage structures
- G06F16/2282—Tablespace storage structures; Management thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/245—Query processing
Abstract
The invention discloses a method and a device for processing multi-account transaction, which can be applied to the field of finance, and the method comprises the following steps: receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request; when a plurality of accounts belong to a pre-established account group, inquiring a transaction channel of a multi-account transaction request and a maximum payable quota value in the day corresponding to a transaction type from a quota parameter table of the account group, wherein the maximum payable quota value in the day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group; when the amount to be paid is inquired, the amount to be paid is compared with the inquired maximum payable quota value on the same day, and when the amount to be paid is smaller than or equal to the inquired maximum payable quota value on the same day, deduction is carried out according to the amount to be paid.
Description
Technical Field
The invention relates to a method and a device for processing multi-account transactions, which can be applied to the field of finance.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
In a bank system, for customers such as groups and companies, the related accounts are more, the product quantity is more, and the association relationship is complex. The traditional method for setting the limit for the account is to set a limit value for a single account on a counter, when a company needs to pay by a plurality of accounts, the amount of payable money which is allocated to each account needs to be manually calculated, the method is tedious and low in efficiency, the other method is to maintain the product parameters of the accounts in batch at the background, and the method is to solidify the limit values of the plurality of accounts in specific products, so that the flexibility is poor.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a method for processing multi-account transaction, which is used for improving the efficiency and the flexibility of multi-account transaction processing and comprises the following steps:
receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request;
when a plurality of accounts belong to a pre-established account group, inquiring a transaction channel of a multi-account transaction request and a maximum payable quota value in the day corresponding to a transaction type from a quota parameter table of the account group, wherein the maximum payable quota value in the day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group;
when the amount to be paid is inquired, the amount to be paid is compared with the inquired maximum payable quota value on the day, and when the amount to be paid is smaller than or equal to the inquired maximum payable quota value on the day, deduction is carried out according to the amount to be paid.
The embodiment of the invention provides a processing device of multi-account transaction, which is used for improving the efficiency and the flexibility of multi-account transaction processing and comprises the following components:
the transaction request receiving module is used for receiving the multi-account transaction request and determining the transaction channel and the transaction type of the multi-account transaction request;
the system comprises a quota parameter table query module, a transaction processing module and a transaction processing module, wherein the quota parameter table query module is used for querying transaction channels of multi-account transaction requests and daily maximum payable quota values corresponding to transaction types from a quota parameter table of an account group when a plurality of accounts belong to one pre-established account group, and the daily maximum payable quota values corresponding to a plurality of transaction channels and a plurality of transaction types are stored in the quota parameter table of the account group;
and the payment control module compares the amount to be paid with the inquired maximum payable quota value on the same day when the amount to be paid is inquired, and deducts money according to the amount to be paid when the amount to be paid is less than or equal to the inquired maximum payable quota value on the same day.
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 processor realizes the processing method of the multi-account transaction when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a processing method for executing the multi-account transaction.
The embodiment of the invention comprises the following steps: receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request; when a plurality of accounts belong to a pre-established account group, inquiring a transaction channel of a multi-account transaction request and a maximum payable quota value in the day corresponding to a transaction type from a quota parameter table of the account group, wherein the maximum payable quota value in the day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group; when the amount of money to be paid is inquired, the amount of money to be paid is compared with the inquired maximum payable limit value on the same day, when the amount of money to be paid is smaller than or equal to the inquired maximum payable limit value on the same day, money deduction is carried out according to the amount of money to be paid, then an account group is formed by a plurality of accounts, the limit amount is set for the account group, transaction processing is carried out according to the limit amount of the account group, the multi-account payment efficiency is improved, the maximum payable limit value on the same day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in a limit amount parameter table of the account group, the requirement of the account group on setting of the limit amounts of different transaction channels and different transaction types can be met, and the flexibility of multi-account payment is improved.
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 flow chart illustrating a method for processing a multi-account transaction according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a final-day batch process flow according to an embodiment of the present invention;
FIG. 3 is a diagram illustrating an overall framework for processing a multi-account transaction according to an embodiment of the invention;
FIG. 4 is a schematic diagram of another process flow of end-of-day batch processing in an embodiment of the present invention;
FIG. 5 is a diagram illustrating an exemplary process of notifying an actor-user in an embodiment of the present invention;
FIG. 6 is a diagram illustrating a structure of a device for processing a multi-account transaction according to an embodiment of the present invention;
FIG. 7 is a diagram illustrating another structure of a device for processing a multi-account transaction according to an embodiment of the present 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.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
An embodiment of the present invention provides a method for processing a multi-account transaction, so as to improve efficiency and flexibility of processing the multi-account transaction, where fig. 1 is a schematic diagram of a flow of the method for processing the multi-account transaction in the embodiment of the present invention, and as shown in fig. 1, the method includes:
step 101: receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request;
step 102: when a plurality of accounts belong to a pre-established account group, inquiring a transaction channel of a multi-account transaction request and a maximum payable quota value in the day corresponding to a transaction type from a quota parameter table of the account group, wherein the maximum payable quota value in the day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group;
step 103: when the amount to be paid is inquired, the amount to be paid is compared with the inquired maximum payable quota value on the day, and when the amount to be paid is smaller than or equal to the inquired maximum payable quota value on the day, deduction is carried out according to the amount to be paid.
As shown in fig. 1, an embodiment of the present invention is implemented by: receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request; when a plurality of accounts belong to a pre-established account group, inquiring a transaction channel of a multi-account transaction request and a maximum payable quota value in the day corresponding to a transaction type from a quota parameter table of the account group, wherein the maximum payable quota value in the day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group; when the amount of money to be paid is inquired, the amount of money to be paid is compared with the inquired maximum payable limit value on the same day, when the amount of money to be paid is smaller than or equal to the inquired maximum payable limit value on the same day, money deduction is carried out according to the amount of money to be paid, then an account group is formed by a plurality of accounts, the limit amount is set for the account group, transaction processing is carried out according to the limit amount of the account group, the multi-account payment efficiency is improved, the maximum payable limit value on the same day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in a limit amount parameter table of the account group, the requirement of the account group on setting of the limit amounts of different transaction channels and different transaction types can be met, and the flexibility of multi-account payment is improved.
In one embodiment, the quota parameter table comprises: a periodic quota parameter table and a daily quota parameter table;
the period quota parameter table stores quota values, quota types, paid amounts, quota starting dates and quota ending dates corresponding to various transaction channels and various transaction types, wherein the quota starting dates and the quota ending dates are divided into a plurality of periods according to the quota types, and the period quota parameter table also stores the starting dates and the ending dates of the current period;
the daily quota parameter table stores quota values, paid amounts and daily maximum payable quota values corresponding to various transaction channels and various transaction types, wherein the daily maximum payable quota value is determined according to the quota value and the paid amount corresponding to the periodic quota parameter table.
In specific implementation, in the embodiment of the present invention, a quota parameter table needs to be designed first, where the quota parameter table includes: a period quota parameter table and a daily quota parameter table, the period quota parameter table being shown in table 1.
TABLE 1 periodic quota parameter table
As shown in Table 1, the start and end dates of the quota in the periodic quota parameter table are the overall time period for which the quota is used, for example: 2021/01/01 through 2021/12/31, the start and end dates of the quota may be divided into a plurality of periods according to the quota type, for example, if the quota type is a monthly quota, then the start and end dates of the periods may be: the start and end dates of the first cycle are 2021/01/01 to 2021/01/31, respectively, and the start and end dates of the second cycle are 2021/2/1 to 2021/2/28, respectively.
The daily allowance parameter table is shown in table 2.
TABLE 2 daily quota parameter table
After tables 1 and 2 are designed, a plurality of accounts can be formed into account groups according to customer requirements, and limit parameter tables are maintained for the account groups, specifically, parameters in a column of value ranges of each element in the 4 th columns in tables 1 and 2 can be configured in a self-defined mode according to actual product requirements and customer requirements, one account group can be provided with a plurality of limit parameter tables and can be a combination of different channels, transaction types and limit types, the limit setting requirements of the account groups on different transaction channels and different transaction types are met, in addition, if the account groups maintain a plurality of limit parameter tables and are effective simultaneously, and when the transaction channels are consistent with the transaction types, a value with a smaller limit value is taken as the external expression of the limit parameter tables.
Fig. 2 is a schematic diagram of a final-day batch processing flow in an embodiment of the present invention, as shown in fig. 2, in an embodiment, when the amount to be paid is less than or equal to the queried maximum payable limit value on the day, after deducting the amount to be paid, the method further includes:
step 201: recording the deducted money amount to the paid money amount in the daily allowance parameter table;
step 202: and when the final daily settlement is carried out, accumulating the paid amount in the daily limit parameter table to the paid amount in the periodic limit parameter table based on multiple processes, and clearing the paid amount in the daily limit parameter table.
Fig. 3 is a schematic diagram of an overall framework for processing a multi-account transaction according to an embodiment of the present invention, and as shown in fig. 3, after the quota parameter tables (table 1 and table 2) are configured, the quota parameter tables may be stored as an identifier of an account group. When the accounts pay, a multi-account transaction request needs to be initiated, after the multi-account transaction request is received, a transaction channel and a transaction type of the multi-account transaction request are firstly determined, whether a plurality of accounts belong to a pre-established account group or not is judged, and if the plurality of accounts belong to the pre-established account group and the account group maintains a quota parameter table, whether the accounts can be paid or not needs to be applied to the account group.
Specifically, whether the daily maximum payable limit value corresponding to the transaction channel and the transaction type of the multi-account transaction request exists or not can be inquired from the limit parameter table of the account group, wherein the daily maximum payable limit value is inquired in the daily limit parameter table (table 2) of the account group, if the inquiry is not completed, the payment is not limited, if the inquiry is completed, the amount to be paid is compared with the inquired daily maximum payable limit value, when the amount to be paid is larger than the inquired daily maximum payable limit value, the payment is refused, when the amount to be paid is smaller than or equal to the inquired daily maximum payable limit value, the payment is deducted according to the amount to be paid, and meanwhile, the deduction amount is recorded to a column of the paid amount in the daily limit parameter table.
Fig. 4 is a schematic diagram of another flow of end-of-day batch processing in an embodiment of the present invention, as shown in fig. 4, in an embodiment, when the amount to be paid is less than or equal to the queried maximum payable limit value on the day, after deducting according to the amount to be paid, the method further includes:
step 401: when the current date is equal to the termination date of the current period, clearing the paid amount to the period quota parameter table, replacing the start date of the current period with the start date of the next period, and replacing the termination date of the current period with the termination date of the next period;
step 402: and when the current date is less than the termination date of the current period, updating the maximum payable quota value in the daily quota parameter table according to the quota value in the period quota parameter table and the paid amount, and clearing the paid amount in the daily quota parameter table.
In the specific implementation, when the settlement is finished at the end of the day, the quota parameter table of the account group needs to be updated in batch by adopting a multi-process C program, the expired quota parameter table can be deleted firstly, namely the quota termination date is smaller than or equal to the quota parameter table corresponding to the current date, in addition, when the column of 'cycle or not' in the period quota parameter table is negative, the corresponding quota value is set to be 0, and the payment is not allowed later.
As the system business is busy in daytime, the deducted money amount is only recorded to one column of paid money amount in the daily allowance parameter table during daytime payment, the periodic allowance parameter table and the daily allowance parameter table are further maintained and updated during final daily settlement, the paid money amount in the daily allowance parameter table needs to be accumulated to the paid money amount in the periodic allowance parameter table, and the paid money amount in the daily allowance parameter table is cleared.
When the current date is equal to the ending date of the current period, the current period is ended, the paid amount is cleared to the period quota parameter table, the starting date of the current period is replaced by the starting date of the next period, the starting date of the next period is equal to the ending date of the current period and is +1, the ending date of the next period is calculated according to the starting date of the next period, conversion of days, weeks, months, seasons and years is involved, and then the ending date of the current period is replaced by the ending date of the next period.
When the current date is less than the termination date of the current period, the maximum payable quota value on the current day needs to be recalculated, the maximum payable quota value on the current day in the daily quota parameter table can be updated according to the difference between the quota value in the period quota parameter table and the paid amount, and the paid amount in the daily quota parameter table is cleared.
And finally updating the quota use date in the periodic quota parameter table to be the current date for recording that the quota parameter table is subjected to date cutting processing.
As can be seen from the above analysis, in the embodiment of the present invention, by setting the period quota parameter table and the daily quota parameter table, the maintenance of the two parameter tables with different time scales can implement fine-grained and dynamic accurate control of the account group quota, and in addition, the system performance can also be improved by performing daily final batch by multiple processes concurrently.
Fig. 5 is a schematic diagram of an account notification process in an embodiment of the present invention, as shown in fig. 5, in an embodiment, when the amount to be paid is less than or equal to the queried maximum payable limit value on the current day, after deducting according to the amount to be paid, the method further includes:
step 501: when the mobile user notification of successful payment is received, updating the transaction state to be successful;
step 502: and returning the deducted amount when receiving the notice of the mobile subscriber who makes a positive payment, and updating the transaction state to be the positive payment.
In specific implementation, a transaction state table can be maintained, after deduction is carried out according to the amount to be paid, the state of the transaction state table is set to be processed, when the mobile subscriber notification of successful payment is received, the transaction state is updated to be successful, when the mobile subscriber notification of positive payment is received, the deduction amount is returned, and the transaction state is updated to be positive payment.
It should be noted that while the operations of the method of the present invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Based on the same inventive concept, the embodiment of the present invention further provides a processing apparatus for multi-account transaction, such as the following embodiments. Because the principle of solving the problems of the processing device of the multi-account transaction is similar to the processing method of the multi-account transaction, 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.
An embodiment of the present invention provides a processing apparatus for multi-account transaction, so as to improve efficiency and flexibility of processing multi-account transaction, where fig. 6 is a schematic diagram of a structure of the processing apparatus for multi-account transaction in the embodiment of the present invention, as shown in fig. 6, the apparatus includes:
the transaction request receiving module 01 is used for receiving the multi-account transaction request and determining a transaction channel and a transaction type of the multi-account transaction request;
the quota parameter table query module 02 is used for querying a transaction channel of a multi-account transaction request and a maximum payable quota value on the same day corresponding to a transaction type from a quota parameter table of an account group when a plurality of accounts belong to one account group established in advance, wherein the maximum payable quota value on the same day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group;
and the payment control module 03 compares the amount to be paid with the inquired maximum payable quota value on the same day when the amount to be paid is inquired, and deducts money according to the amount to be paid when the amount to be paid is less than or equal to the inquired maximum payable quota value on the same day.
In one embodiment, the quota parameter table comprises: a periodic quota parameter table and a daily quota parameter table;
the period quota parameter table stores quota values, quota types, paid amounts, quota starting dates and quota ending dates corresponding to various transaction channels and various transaction types, wherein the quota starting dates and the quota ending dates are divided into a plurality of periods according to the quota types, and the period quota parameter table also stores the starting dates and the ending dates of the current period;
the daily quota parameter table stores quota values, paid amounts and daily maximum payable quota values corresponding to various transaction channels and various transaction types, wherein the daily maximum payable quota value is determined according to the quota value and the paid amount corresponding to the periodic quota parameter table.
Fig. 7 is a schematic diagram of another structure of a device for processing multiple account transactions according to an embodiment of the present invention, as shown in fig. 7, in an embodiment, the device further includes: a final-day batch module 04 to:
when the amount to be paid is less than or equal to the inquired maximum payable quota value on the same day, deducting the amount according to the amount to be paid, and recording the deduction amount to the paid amount in the daily quota parameter table;
and when the final daily settlement is carried out, accumulating the paid amount in the daily limit parameter table to the paid amount in the periodic limit parameter table based on multiple processes, and clearing the paid amount in the daily limit parameter table.
In one embodiment, the end-of-day batch module 04 is further configured to:
when the current date is equal to the termination date of the current period, clearing the paid amount to the period quota parameter table, replacing the start date of the current period with the start date of the next period, and replacing the termination date of the current period with the termination date of the next period;
and when the current date is less than the termination date of the current period, updating the maximum payable quota value in the day according to the quota value and paid amount in the period quota parameter table, and clearing the paid amount in the day quota parameter table.
As shown in fig. 7, in one embodiment, the apparatus further comprises: an account moving notification module 05, configured to:
when the amount to be paid is less than or equal to the inquired maximum payable limit value on the day, deducting according to the amount to be paid, and when receiving the notice of the mobile subscriber who successfully pays, updating the transaction state as successful transaction;
and returning the deducted amount when receiving the notice of the mobile subscriber who makes a positive payment, and updating the transaction state to be the positive payment.
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 processor realizes the processing method of the multi-account transaction when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a processing method for executing the multi-account transaction.
In summary, the embodiment of the present invention provides: receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request; when a plurality of accounts belong to a pre-established account group, inquiring a transaction channel of a multi-account transaction request and a maximum payable quota value in the day corresponding to a transaction type from a quota parameter table of the account group, wherein the maximum payable quota value in the day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group; when the amount of money to be paid is inquired, the amount of money to be paid is compared with the inquired maximum payable limit value on the same day, when the amount of money to be paid is smaller than or equal to the inquired maximum payable limit value on the same day, money deduction is carried out according to the amount of money to be paid, then an account group is formed by a plurality of accounts, the limit amount is set for the account group, transaction processing is carried out according to the limit amount of the account group, the multi-account payment efficiency is improved, the maximum payable limit value on the same day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in a limit amount parameter table of the account group, the requirement of the account group on setting of the limit amounts of different transaction channels and different transaction types can be met, and the flexibility of multi-account payment is improved.
In addition, the embodiment of the invention can realize fine-grained and dynamic accurate control of account group quota by setting the periodic quota parameter table and the daily quota parameter table and maintaining the two parameter tables with different time scales, and in addition, the multi-process concurrent execution of daily final batch also improves the system performance.
The design and configuration of the quota parameter table, the transaction payment control, the daily and final batch processing and the mobile subscriber notification process in the embodiment of the invention are mutually independent modules, the decoupling performance is strong, and the processes can be reused when new service requirements exist.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description 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 embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (11)
1. A method of processing a multi-account transaction, comprising:
receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request;
when a plurality of accounts belong to a pre-established account group, inquiring a transaction channel of a multi-account transaction request and a maximum payable quota value in the day corresponding to a transaction type from a quota parameter table of the account group, wherein the maximum payable quota value in the day corresponding to a plurality of transaction channels and a plurality of transaction types is stored in the quota parameter table of the account group;
when the amount to be paid is inquired, the amount to be paid is compared with the inquired maximum payable quota value on the day, and when the amount to be paid is smaller than or equal to the inquired maximum payable quota value on the day, deduction is carried out according to the amount to be paid.
2. The method of claim 1, wherein the quota parameter table comprises: a periodic quota parameter table and a daily quota parameter table;
the period quota parameter table stores quota values, quota types, paid amounts, quota starting dates and quota ending dates corresponding to various transaction channels and various transaction types, wherein the quota starting dates and the quota ending dates are divided into a plurality of periods according to the quota types, and the period quota parameter table also stores the starting dates and the ending dates of the current period;
the daily quota parameter table stores quota values, paid amounts and daily maximum payable quota values corresponding to various transaction channels and various transaction types, wherein the daily maximum payable quota value is determined according to the quota value and the paid amount corresponding to the periodic quota parameter table.
3. The method of claim 2, wherein after the deduction in terms of the amount to be paid when the amount to be paid is less than or equal to the queried maximum payable limit on the day, further comprising:
recording the deducted money amount to the paid money amount in the daily allowance parameter table;
and when the final daily settlement is carried out, accumulating the paid amount in the daily limit parameter table to the paid amount in the periodic limit parameter table based on multiple processes, and clearing the paid amount in the daily limit parameter table.
4. The method of claim 3, further comprising, at the end of day settlement:
when the current date is equal to the termination date of the current period, clearing the paid amount to the period quota parameter table, replacing the start date of the current period with the start date of the next period, and replacing the termination date of the current period with the termination date of the next period;
and when the current date is less than the termination date of the current period, updating the maximum payable quota value in the daily quota parameter table according to the quota value in the period quota parameter table and the paid amount, and clearing the paid amount in the daily quota parameter table.
5. The method of claim 1, wherein after the deduction in terms of the amount to be paid when the amount to be paid is less than or equal to the queried maximum payable limit on the day, further comprising:
when the mobile user notification of successful payment is received, updating the transaction state to be successful;
and returning the deducted amount when receiving the notice of the mobile subscriber who makes a positive payment, and updating the transaction state to be the positive payment.
6. A device for processing a multi-account transaction, comprising:
the transaction request receiving module is used for receiving the multi-account transaction request and determining the transaction channel and the transaction type of the multi-account transaction request;
the system comprises a quota parameter table query module, a transaction processing module and a transaction processing module, wherein the quota parameter table query module is used for querying transaction channels of multi-account transaction requests and daily maximum payable quota values corresponding to transaction types from a quota parameter table of an account group when a plurality of accounts belong to one pre-established account group, and the daily maximum payable quota values corresponding to a plurality of transaction channels and a plurality of transaction types are stored in the quota parameter table of the account group;
and the payment control module compares the amount to be paid with the inquired maximum payable quota value on the same day when the amount to be paid is inquired, and deducts money according to the amount to be paid when the amount to be paid is less than or equal to the inquired maximum payable quota value on the same day.
7. The apparatus of claim 6, wherein the quota parameter table comprises: a periodic quota parameter table and a daily quota parameter table;
the period quota parameter table stores quota values, quota types, paid amounts, quota starting dates and quota ending dates corresponding to various transaction channels and various transaction types, wherein the quota starting dates and the quota ending dates are divided into a plurality of periods according to the quota types, and the period quota parameter table also stores the starting dates and the ending dates of the current period;
the daily quota parameter table stores quota values, paid amounts and daily maximum payable quota values corresponding to various transaction channels and various transaction types, wherein the daily maximum payable quota value is determined according to the quota value and the paid amount corresponding to the periodic quota parameter table.
8. The apparatus of claim 7, further comprising: a final-day batch module to:
when the amount to be paid is less than or equal to the inquired maximum payable quota value on the same day, deducting the amount according to the amount to be paid, and recording the deduction amount to the paid amount in the daily quota parameter table;
and when the final daily settlement is carried out, accumulating the paid amount in the daily limit parameter table to the paid amount in the periodic limit parameter table based on multiple processes, and clearing the paid amount in the daily limit parameter table.
9. The apparatus of claim 8, wherein the end-of-day batch module is further configured to:
when the current date is equal to the termination date of the current period, clearing the paid amount to the period quota parameter table, replacing the start date of the current period with the start date of the next period, and replacing the termination date of the current period with the termination date of the next period;
and when the current date is less than the termination date of the current period, updating the maximum payable quota value in the day according to the quota value and paid amount in the period quota parameter table, and clearing the paid amount in the day quota parameter table.
10. 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.
11. 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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| CN202110849330.8A CN113487306A (en) | 2021-07-27 | 2021-07-27 | Multi-account transaction processing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN116993470A (en) * | 2023-07-06 | 2023-11-03 | 中电金信软件有限公司 | Service control method and device based on quota |
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| CN116993470A (en) * | 2023-07-06 | 2023-11-03 | 中电金信软件有限公司 | Service control method and device based on quota |
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