CN114943617A - Account charging method, device, equipment and storage medium in account group - Google Patents
Account charging method, device, equipment and storage medium in account group Download PDFInfo
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The application discloses a method for charging accounts in an account group, which can be applied to the financial field or other fields, wherein in the method, transaction information of the accounts in the account group is firstly acquired, and the account group comprises a plurality of accounts; then, updating the balance of the account group according to the transaction information of the account; and finally, obtaining the final daily interest calculation result of the target account according to the updated account group balance and the balance of the target account. Because the account group balance is updated in real time in daily transaction, when the accounts in the account group are charged, the account group balance can be obtained only by accessing the account group and without accessing all the accounts in the account group. Therefore, the time for acquiring the balance of the account group is saved, the time for carrying out daily final account is shortened, the condition that the online transaction is unavailable due to overtime of the online transaction is reduced, and the convenience for carrying out the online transaction by using a bank system is improved.
Description
Technical Field
The present application relates to the field of financial technologies, and in particular, to a method, an apparatus, a device, and a storage medium for charging accounts in an account group.
Background
With the development of financial technology, the frequency of online transactions is increasing. On-line transactions include bank counter single transaction, self-service device initiated transaction and various channel access transactions requiring timely response, such as counter deposit and withdrawal, money transfer using a small amount batch payment system in a central bank, Automatic Teller Machine (ATM) withdrawal, and the like, all belong to on-line transactions. With the increase of online transaction frequency, the demand for all-weather online transaction is more and more emphasized.
At present, after a bank system switches a date, the bank system needs to perform daily end batch processing on a bank account to perform daily end interest calculation on the bank account. Before the bank system does not complete the daily end batch processing of all accounts, if the accounts in the account group which is not subjected to the daily end batch processing want to perform online transaction, the account group is subjected to daily end interest count, and the online transaction request of the account can be responded after the daily end interest count is finished. In the daily terminal account counting process, the bank system needs to sequentially access all accounts in the account group to acquire account balance, and because the bank system can acquire the balance of one account only according to the account number of one account at a time, the bank system needs a long time to acquire the balance of all accounts in the account group. If the accounts in the account group initiate online transaction requests before the batch processing of the account group is finished on the day-cut and the day-end of the bank system, the online transaction duration is counted in the daily-end interest accounting process and the online transaction process, however, the online transaction of the bank system has higher requirements on timeliness, and if the transaction duration exceeds a preset time limit, the transaction will be automatically interrupted, which causes that the online transaction cannot be carried out due to the fact that the online transaction is overtime after the accounts in the account group are cut on the day-cut and before the batch processing of the accounts is finished on the day-end of the bank system.
Therefore, how to shorten the time required for daily end-of-day information and reduce the situation of unavailable transaction caused by online transaction timeout becomes a problem to be solved at present.
Disclosure of Invention
Based on the above problems, the present application provides a method, an apparatus, a device and a storage medium for account billing in an account group, which can shorten the time required for daily and final account billing and reduce the situation of transaction incapability caused by online transaction timeout.
The embodiment of the application discloses the following technical scheme:
in a first aspect, the present application provides a method for charging accounts in an account group, the method including:
acquiring transaction information of accounts in an account group, wherein the account group comprises a plurality of accounts;
updating the account group balance according to the transaction information of the account;
and obtaining the final daily interest count result of the target account according to the updated account group balance and the target account balance.
Optionally, the obtaining a final daily interest count result of the account according to the account group balance and the account balance includes:
exchanging the account group balance into account group currency amount according to the updated account group balance and the daily final exchange rate;
acquiring the daily final interest rate of the account group according to the account group coin amount and a preset account group interest rate calculation rule;
and obtaining a daily final interest rate result of the target account according to the daily final interest rate of the account group and the balance of the target account.
Optionally, the method further comprises:
generating a final-day batch processing request at preset time;
executing the daily end batch processing request to obtain daily end batch processing results of all bank accounts;
determining a final daily batch processing result of the target account group according to the final daily batch processing results of all the bank accounts;
acquiring the total amount of the target account group according to the daily final batch processing result of the target account group;
and if the total amount of the target account group is inconsistent with the account group balance updated by the target account group, generating abnormal information.
Optionally, after the acquiring the transaction information of the accounts in the account group, the method further includes:
and updating the balance of the account according to the transaction information of the account in the account group.
Optionally, after obtaining the final daily interest rate result of the account according to the account group balance and the account group final daily interest rate, the method further includes:
acquiring account transaction time in account group balance updating information;
and if the account transaction time is before the end-of-day interest-counting result of the account is obtained, outputting error reporting information.
In a second aspect, the present application provides a device for debiting accounts in an account group, the device comprising: the system comprises an acquisition module, an updating module and an information module;
the acquisition module is used for acquiring the transaction information of accounts in an account group, and the account group comprises a plurality of accounts;
the updating module is used for updating the account group balance according to the transaction information of the account;
and the interest accounting module is used for obtaining the daily final interest accounting result of the target account according to the updated account group balance and the target account balance.
Optionally, the apparatus further comprises: a batch module and an exception module;
the batch module is used for generating a daily end batch processing request at preset time; executing the daily end batch processing request to obtain daily end batch processing results of all bank accounts;
the abnormal module is used for determining the final daily batch processing result of the target account group according to the final daily batch processing results of all the bank accounts; acquiring the total amount of the target account group according to the daily final batch processing result of the target account group; and if the total amount of the target account group is inconsistent with the account group balance updated by the target account group, generating abnormal information.
Optionally, the apparatus further comprises: an error reporting module;
the error reporting module is used for acquiring account transaction time in the account group balance updating information; and if the account transaction time is before the end-of-day interest-counting result of the account is obtained, outputting error reporting information.
In a third aspect, the present application provides a device for charging accounts in an account group, the device comprising: a memory and a processor;
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to perform the steps of the method for debiting an account of the account group according to any one of the first aspect described above, according to instructions in the program code.
In a fourth aspect, the present application provides a computer-readable storage medium, wherein computer instructions are stored in the computer-readable storage medium, and when the computer instructions are executed on the account equipments of the accounts in the account group, the account equipments of the accounts in the account group execute the steps of the account charging method of the accounts in the account group according to any one of the first aspect.
Compared with the prior art, the method has the following beneficial effects:
the application provides a method for charging accounts in an account group, which comprises the steps of firstly obtaining transaction information of the accounts in the account group, wherein the account group comprises a plurality of accounts; then, the account group balance is updated according to the transaction information of the account, and because the account group balance is updated in real time in daily transaction, when the account in the account group is charged, the account group balance can be obtained only by accessing the account group without accessing all accounts in the account group, so that the time for obtaining the account group balance is shortened; and finally, obtaining the final daily interest rate result of the target account according to the updated account group balance and the target account balance. Therefore, the time for acquiring the balance of the account group is saved, the daily end interest count and the online transaction of the target account in the account group can be completed within the online transaction time limit, the time required for daily end interest count can be shortened, the condition that the online transaction is unavailable due to overtime of the online transaction is reduced, and the convenience for using the bank system to conduct the online transaction is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application 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 description below are only some embodiments of the present application, and for those skilled in the art, other drawings may be obtained according to these drawings without inventive labor.
Fig. 1 is a flowchart of a method for charging accounts in an account group according to an embodiment of the present application;
FIG. 2 is a flow chart of another method for debiting accounts in an account group according to an embodiment of the present application;
fig. 3 is a schematic view of an account counting apparatus for accounts in an account group according to an embodiment of the present disclosure;
FIG. 4 is a schematic diagram of an account crediting device for accounts in another account group according to an embodiment of the present disclosure;
fig. 5 is a schematic view of an account counting device for accounts in an account group according to an embodiment of the present application.
Detailed Description
The account billing method, device, equipment and storage medium for accounts in the account group provided by the invention can be used in the financial field or other fields, for example, the method, device, equipment and storage medium can be used for daily and final account billing of accounts in the account group which are billed by files in the financial field. The other fields are arbitrary fields other than the financial field, for example, the data processing field. The above description is only an example, and does not limit the application fields of the method, the apparatus, the device, and the storage medium for charging accounts in an account group provided by the present invention.
The terms "first," "second," "third," and "fourth," etc. in the description and claims of the present application and the accompanying drawings are used for distinguishing between different objects and not for limiting a particular order.
In the embodiments of the present application, words such as "as an example" or "for example" are used to mean serving as an example, instance, or illustration. Any embodiment or design described herein as "exemplary" or "e.g.," is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, the use of the words "as an example" or "such as" are intended to present relevant concepts in a concrete fashion.
The terminology used in the description of the embodiments section of the present application is for the purpose of describing particular embodiments of the present application only and is not intended to be limiting of the present application.
As described above, after the bank system switches the date, the bank system needs to perform the end-of-day batch processing on the bank account to perform the end-of-day interest calculation on the bank account. Before the bank system does not complete the daily end batch processing of all accounts, if the accounts in the account group which is not subjected to the daily end batch processing want to perform online transaction, the account group is subjected to daily end interest count, and the online transaction request of the account can be responded after the daily end interest count is finished. Due to the fact that the daily end-of-day time consumption is too long, the online transaction requests of the accounts in the account group cannot be responded due to the fact that online transactions are overtime.
The inventor finds that the time consumption of the daily terminal account is too long because the bank system needs to sequentially access all accounts in the account group to acquire account balances in the daily terminal account process, but the bank system can only acquire the balance of one account according to the account number of one account at a time, so that the time required for acquiring the balance of the account group is too long, and the time consumption of the daily terminal account is too long.
In view of the above, in order to shorten the time required for daily final account counting and reduce the situation of no transaction due to timeout of online transaction, the present application provides an account counting method in an account group, in the method, transaction information of accounts in the account group is first acquired, and the account group includes a plurality of accounts; and then, according to the transaction information of the account, updating the balance of the account group, because the balance of the account group is updated in real time in daily transaction, when the account in the account group is charged, only the account group is required to be accessed, and all the accounts in the account group are not required to be accessed, the balance of the account group can be obtained, the time required for obtaining the balance of the account group is shortened, the time required for charging the account group at the end of day is further shortened, and the condition that online transaction cannot be carried out due to the fact that online transaction is overtime before batch processing of the accounts in the account group is finished at the end of day after the bank system is switched to the day is reduced.
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Referring to fig. 1, which is a flowchart of an account charging method for accounts in an account group according to an embodiment of the present application, where the account charging method for accounts in the account group may be executed by a banking system, and the method includes:
s101: the banking system obtains transaction information of the accounts in the account group.
The bank system can generate the transaction information of the account after responding to the transaction request of the account, and the transaction information of the account includes, but is not limited to, balance change information of the account.
S102: and the bank system updates the balance of the account group according to the transaction information of the account.
The bank system can pre-store the total balance of all accounts in the account group, and after the accounts generate transaction information, the bank system can read the balance change information in the transaction information of the accounts and update the balance of the account group according to the balance change information. As an example, the account group balance may be updated in currency, for example, $ 100 credited to one account in the account group balance may be added to $ 100, and 300 RMB debited to the account group balance may be removed from another account in the same account group.
Therefore, when online transaction occurs, the balance of the account group corresponding to the currency can be asynchronously updated, and when daily final account counting is required, the balance of the account group can be obtained without sequentially accessing the balance of all accounts under the account group.
S103: and the bank system obtains the final daily interest calculation result of the target account according to the updated account group balance and the balance of the target account.
And according to the updated account group balance and the preset account group interest rate calculation rule, the bank system can obtain the daily final interest rate of the account group, all accounts in the account group use the daily final interest rate of the account group to perform interest calculation, and according to the daily final interest rate of the account group and the account balance, the daily final interest calculation result of the account can be obtained.
Therefore, the account group balance is updated in real time in daily transactions, when daily final interest rate is carried out on the accounts in the account group, the account group balance can be obtained only by accessing the account group without accessing all the accounts in the account group, the time for obtaining the account group balance is shortened, the total time for daily final interest rate is shortened, and the situation that online transactions cannot be carried out due to online transaction overtime after the accounts in the account group are switched to the bank system and before the batch processing of the accounts is finished on the daily final scale is reduced.
Referring to fig. 2, which is a flowchart of another method for charging accounts in an account group according to an embodiment of the present application, the method includes:
s201: the banking system obtains transaction information of the accounts in the account group.
The bank system can generate the transaction information of the account after responding to the transaction request of the account, and the transaction information of the account includes, but is not limited to, balance change information of the account.
S202: and the bank system updates the balance of the account group according to the transaction information of the account.
The bank system can pre-store the total balance of all accounts in the account group, and can read the balance change information in the transaction information of the accounts after the accounts generate the transaction information and update the balance of the account group according to the balance change information. As an example, the account group balance may be updated in currency.
S203: and the bank system exchanges the updated account group balance into the account group currency amount according to the updated account group balance and the daily final exchange rate.
The interest rate calculation rule of the bank can be set by taking the home currency as a reference, wherein the home currency refers to legal currency of a certain country or region, and thus legal currency of other countries or regions possibly included in the process of daily end-of-day interest is required to be exchanged into the home currency.
The account group balance used for obtaining the final daily interest-counting result is the account group balance updated at the last moment before the last day, the bank system can obtain the final daily exchange rate after the last day, and the account group balance stored by taking at least one currency as a unit can be converted into the amount of the account group home currency according to the final daily exchange rate. For example, in china, the home currency refers to the rmb, if the final account group balance before the day of the banking system is cut is $ 900000 and $ 80000, the final account group balance after the day of the banking system is cut is converted into the rmb by $ 900000 and $ 80000 according to the acquired daily final exchange rate, and the total amount is calculated as the account group home currency amount.
S204: and the bank system acquires the daily final interest rate of the account group according to the account group currency amount and a preset account group interest rate calculation rule.
The steps of S203 and S204 may be executed when the account final daily interest count is required or the account final daily batch processing is required, or may be automatically executed after the banking system switches to the next day. As an example, after the banking system cuts the day, the banking system automatically executes the step of obtaining the daily final rate of the account group, and when the banking system recognizes that the request for carrying out the daily final interest rate accounting or the batch processing of the daily final interest rate accounting exists, the calculated daily final rate of the account group can be directly obtained, so that the time for carrying out the daily final interest rate accounting on the accounts in the account group is further saved.
S205: and the bank system obtains the daily final interest rate of the account group and the account balance to obtain the daily final interest rate result of the account.
And (4) charging all accounts in the account group by using the daily final interest rate of the account group, and obtaining the daily final interest rate result of the account according to the daily final interest rate of the account group and the account balance.
S206: and the bank system acquires the account transaction time in the account group balance updating information.
And after the accounts in the account group generate transaction information, generating account group balance updating information, and updating the account group balance by the bank system according to the account group balance updating information. The updated information for the account group balance includes, but is not limited to, the account transaction time.
S207: and the bank system judges whether the account transaction time is before the end-of-day interest result is obtained, if so, the step S208 is executed, and if not, the step S202 is executed.
When the online transaction occurs, the balance of the account group corresponding to the currency is asynchronously updated, and the updating of the balance of the account group may be delayed. If the account transaction time is before the last day 'S final day interest rate is obtained in the obtained account group balance updating information, the account group' S final day interest rate obtained according to the account group balance is considered to be inaccurate, and at this time, the step of S208 needs to be executed; if the account transaction time is after the last day interest count result, the step of S202 may be executed to update the account group balance according to the account group balance update information.
As an example, the bank system may compare the account transaction time in the account group balance update information with the time of obtaining the end-of-day interest result each time the account group balance update information is received, or may obtain the account transaction time in the account group balance update information within a preset time period at a fixed time every day and compare the account transaction time with the time of obtaining the end-of-day interest result. The account transaction time can be compared with the last time of obtaining the daily end-of-day rest result, or the account transaction time can be compared with the time of obtaining the daily end-of-day rest result on the T-1 day when the account transaction time is earlier than the time of obtaining the daily end-of-day rest result on the T day until the account transaction time is later than the time of obtaining the daily end-of-day rest result on a certain day.
S208: and the bank system outputs error reporting information.
The error information includes but is not limited to the transaction time of the account and the time for obtaining the daily and final interest result of the account group, and the bank system can output the error information in the form of a report to prompt the teller to correct the interest of the account group.
S209: and the bank system generates a batch processing request at the end of the day at preset time.
The preset time is usually set in a time period when the night online transaction amount is small, and the bank account needs to be subjected to daily final batch processing every time the bank system switches to the next day.
S210: and the bank system executes the daily end batch processing request to obtain the daily end batch processing results of all the bank accounts.
The end-of-day batch processing, including but not limited to end-of-day rest, can be completed by the bank system calling a preset program at a preset time.
S211: and the bank system determines the final daily batch processing result of the target account group according to the final daily batch processing results of all the bank accounts.
The bank system can only respond to the online transaction request of the account after the daily final interest count result of the account is obtained by executing the daily final interest count of the account before the daily final batch processing is completed. In order to verify the accuracy of the daily final account result and reduce the abnormal daily final account result caused by the delay of the balance updating of the account group, the bank system still executes the daily final batch processing on the accounts which are subjected to the daily final account in advance at the preset time, and after the daily final batch processing results of all the bank accounts are obtained, the daily final batch processing result of the target account group can be determined.
S212: and the bank system acquires the total amount of the account group according to the daily end batch processing result of the account group.
The final-day batch processing result of the account group comprises the total amount of the account group at the last moment before the bank system switches to the day.
S213: and the bank system judges whether the total amount of the target account group is consistent with the balance of the account group updated by the target account group, if so, the process is ended, and if not, the step S214 is executed.
Comparing the total amount of the target account group obtained in the process of executing daily final batch processing with the updated account group balance of the target account group used when the target account performs daily final interest in advance, and if the account group balance obtained in the process of executing daily final interest in advance is consistent with the total amount of the account group obtained in the process of daily final batch processing, determining that the daily final interest result is accurate, and ending the daily final interest flow; if the two are not the same, it is considered that there is a possibility that the updated hip-hop of the account group balance is not executed due to delay at the time of the day end rest, and the result of the day end rest is inaccurate, and step S214 is executed.
S214: the bank system generates exception information.
And when the balance of the account group acquired in the daily terminal charging process is not consistent with the total amount of the account group acquired in the daily terminal batch processing process in advance, the bank system generates corresponding abnormal information. As an example, the bank system may automatically replace the account group balance with the total amount of the account group, and retrieve the account daily final interest result, or may read the account daily final interest result from the daily final batch processing result.
S215: and the bank system updates the balance of the account according to the transaction information of the account.
After the bank system acquires the transaction information of the accounts in the account group, the balance of the accounts can be updated in real time according to the transaction information of the accounts. It should be noted that the updating of the account balance and the steps S202 to S214 are not performed in a certain order, and the updating of the account balance and the updating of the account group balance may be performed asynchronously.
By the scheme, the time for acquiring the balance of the account group can be shortened, the time for daily final interest and daily final batch processing can be shortened, the situation that online transactions cannot be conducted due to online transaction overtime after the account in the account group is switched to the bank system and before the batch processing of the account is completed in the day is reduced, and the abnormal daily final interest result or the abnormal daily final batch processing result caused by the delayed updating of the balance of the account group can be reduced by acquiring the account transaction time in the account group balance updating information.
Referring to fig. 3, which is a schematic view of an apparatus for charging accounts in an account group according to an embodiment of the present application, the apparatus includes: an acquisition module 301, an update module 302 and an interest module 303.
The acquisition module 301: for obtaining transaction information for accounts in the account group.
The update module 302: and the account group balance is updated according to the transaction information of the account.
The rest module 303: and the account group balance management module is used for obtaining the daily and final interest calculation result of the target account according to the updated account group balance and the balance of the target account.
Referring to fig. 4, which is a schematic view of an apparatus for charging accounts in another account group according to an embodiment of the present application, the apparatus includes: the system comprises an acquisition module 401, an update module 402, an interest counting module 403, a batch module 404, an exception module 405 and an error reporting module 406.
The acquisition module 401: for obtaining transaction information for accounts in the account group.
The update module 402: and the account group balance is updated according to the transaction information of the account.
The rest module 403: and the account group balance management module is used for obtaining the daily and final interest calculation result of the target account according to the updated account group balance and the balance of the target account.
The batch module 404: the system is used for generating a daily end batch processing request at preset time; and executing the daily final batch processing request to obtain the daily final batch processing results of all the bank accounts.
An exception module 405, configured to determine a final daily batch processing result of the target account group according to final daily batch processing results of all the bank accounts; acquiring the total amount of the target account group according to the daily final batch processing result of the target account group; and if the total amount of the target account group is inconsistent with the account group balance updated by the target account group, generating abnormal information.
The error reporting module 406: the account transaction time is used for acquiring the account transaction time in the account group balance updating information; and if the account transaction time is before the final daily interest count result of the account, outputting error reporting information.
Referring to fig. 5, which is a schematic diagram of an account counting device of an account in an account group according to an embodiment of the present application, where the account counting device of an account in the account group includes: a memory 401 and a processor 402.
The memory 501: for storing the program code and for transferring the program code to the processor.
The processor 502: for executing the steps of the above described method of restyling accounts of an account group according to instructions in the program code.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described embodiments of the apparatus and system are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts suggested as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A method of debiting an account in a group of accounts, the method comprising:
acquiring transaction information of accounts in an account group, wherein the account group comprises a plurality of accounts;
updating the account group balance according to the transaction information of the account;
and obtaining the final daily interest count result of the target account according to the updated account group balance and the target account balance.
2. The method of claim 1, wherein obtaining the end-of-day interest-bearing result of the account based on the account group balance and the account balance comprises:
exchanging the account group balance into account group currency amount according to the updated account group balance and the daily final exchange rate;
acquiring the daily final interest rate of the account group according to the account group coin amount and a preset account group interest rate calculation rule;
and obtaining a daily final interest rate result of the target account according to the daily final interest rate of the account group and the balance of the target account.
3. The method of claim 1, further comprising:
generating a final-day batch processing request at preset time;
executing the daily end batch processing request to obtain daily end batch processing results of all bank accounts;
determining a final daily batch processing result of the target account group according to the final daily batch processing results of all the bank accounts;
acquiring the total amount of the target account group according to the final daily batch processing result of the target account group;
and if the total amount of the target account group is inconsistent with the account group balance updated by the target account group, generating abnormal information.
4. The method of claim 1, wherein after obtaining the transaction information of the accounts in the account group, further comprising:
and updating the balance of the account according to the transaction information of the account in the account group.
5. The method of claim 1, wherein after obtaining the final daily interest rate of the account according to the account group balance and the final daily interest rate of the account group, the method further comprises:
acquiring account transaction time in the account group balance updating information;
and if the account transaction time is before the end-of-day interest-counting result of the account is obtained, outputting error reporting information.
6. An apparatus for debiting accounts in an account group, the apparatus comprising: the system comprises an acquisition module, an updating module and an information module;
the acquisition module is used for acquiring the transaction information of accounts in an account group, and the account group comprises a plurality of accounts;
the updating module is used for updating the balance of the account group according to the transaction information of the account;
and the interest accounting module is used for obtaining the daily final interest accounting result of the target account according to the updated account group balance and the target account balance.
7. The apparatus of claim 6, further comprising: a batch module and an exception module;
the batch module is used for generating a daily final batch processing request at preset time; executing the daily end batch processing request to obtain daily end batch processing results of all bank accounts;
the abnormal module is used for determining the daily final batch processing result of the target account group according to the daily final batch processing results of all the bank accounts; acquiring the total amount of the target account group according to the daily final batch processing result of the target account group; and if the total amount of the target account group is inconsistent with the account group balance updated by the target account group, generating abnormal information.
8. The apparatus of claim 6, further comprising: an error reporting module;
the error reporting module is used for acquiring account transaction time in the account group balance updating information; and if the account transaction time is before the end-of-day interest-counting result of the account is obtained, outputting error reporting information.
9. An apparatus for debiting an account in a group of accounts, the apparatus comprising: a memory and a processor;
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is adapted to perform the steps of the method of charging accounts in an account group of any of claims 1-5 according to instructions in the program code.
10. A computer-readable storage medium, characterized in that computer instructions are stored in the computer-readable storage medium, which computer instructions, when run on the account payoff devices of the accounts of an account group, perform the steps of the method of crediting the accounts of the account group according to any one of claims 1-5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210618419.8A CN114943617A (en) | 2022-06-01 | 2022-06-01 | Account charging method, device, equipment and storage medium in account group |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210618419.8A CN114943617A (en) | 2022-06-01 | 2022-06-01 | Account charging method, device, equipment and storage medium in account group |
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| Publication Number | Publication Date |
|---|---|
| CN114943617A true CN114943617A (en) | 2022-08-26 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210618419.8A Pending CN114943617A (en) | 2022-06-01 | 2022-06-01 | Account charging method, device, equipment and storage medium in account group |
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| Country | Link |
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| CN (1) | CN114943617A (en) |
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