CN115082186A

CN115082186A - Method, system, electronic equipment and readable storage medium for processing bill receiving business of bank card

Info

Publication number: CN115082186A
Application number: CN202210684396.0A
Authority: CN
Inventors: 王旭; 周江博; 王娜娜
Original assignee: CITIC Aibank Corp Ltd
Current assignee: CITIC Aibank Corp Ltd
Priority date: 2022-06-17
Filing date: 2022-06-17
Publication date: 2022-09-20

Abstract

The invention relates to a method, a system, electronic equipment and a readable storage medium for processing the bill receiving business of a bank card, wherein the method comprises the steps that a financial system acquires transaction information according to a preset batch number generation rule and generates a new batch number within a specified time; registering the batch number into a batch information registration table, wherein the registration state is 'waiting for processing'; carrying out hash hashing on the batch number to generate a routing key, carrying out routing on the transaction information and the batch number according to the routing key and registering the transaction information and the batch number into a transaction order form sublist in a horizontal library, wherein the initial transaction state is 'to be processed'; the financial system returns the transaction state and the batch number to the acquiring system in real time after finishing registration; and the financial system asynchronously completes the transaction to be processed in a mode of summarizing and accounting the number of the same batch, and asynchronously returns the transaction processing result to the acquiring system. The method can solve the problem of hot account and effectively improve the data bottleneck problem of the account system.

Description

Method, system, electronic equipment and readable storage medium for processing bill receiving business of bank card

Technical Field

The invention relates to the technical field of computers, in particular to a method, a system, electronic equipment and a readable storage medium for processing bill receiving business of a bank card.

Background

At present, for the transaction information of the banking financial system adopting a distributed database, the routing key of the branch tables of the branch database is mainly calculated according to the transaction flow information, and each transaction flow information is different, so that the transaction information can be uniformly hashed in each sub table of the level database. The transaction information of the banking account system is mainly subjected to database division and table division by taking the client number as a routing key, if financial transactions initiated by some clients are frequent, the downstream account system taking the client number as the routing key is mainly influenced along with the increase of the service volume, the pressure of the database of the account system is uneven, and the transaction performance of the financial system is indirectly influenced.

Disclosure of Invention

In order to solve the defects of the prior art, the invention provides a method, a system, electronic equipment and a readable storage medium for processing the bill receiving business of a bank card, which can solve the problem of hot accounts and effectively improve the data bottleneck problem of an account system.

In order to achieve the above purpose, the technical scheme adopted by the invention comprises the following steps:

the invention discloses a method for processing bill collecting service of bank card in the first aspect, comprising:

the acquiring system initiates a transaction to the financial system, and the financial system acquires transaction information and generates a new batch number within a specified time according to a batch number generation rule established in advance;

registering the batch number into a batch information registration table, wherein the registration state is 'pending';

carrying out hash hashing on the batch number to generate a routing key, carrying out routing on the transaction information and the batch number according to the routing key and registering the transaction information and the batch number into a transaction order form sublist in a horizontal library, wherein the initial transaction state is 'to be processed';

the financial system returns the transaction state and the batch number to the acquiring system in real time after finishing registration;

and the financial system asynchronously completes the transaction to be processed in a mode of summarizing and accounting the number of the same batch, and asynchronously returns the transaction processing result to the acquiring system.

Further, the financial system acquires transaction information according to a preset batch number generation rule and generates a new batch number every N minutes, wherein N is more than or equal to 0 and less than or equal to 10.

Further, the batch number generation rule includes combining four fields of an initiating account number, an opponent account number, a scene type and a serial number in the transaction information to generate the batch number.

Further, the sequence number is generated by machine IP and timestamp concatenation.

Further, the method for generating the serial number comprises the following steps:

judging whether the Redis link is abnormal or not;

if the serial number is not abnormal, the serial number is obtained from the Redis and a batch number is generated, and if the serial number does not exist in the Redis, the serial number is regenerated and written into the Redis;

and if the serial number does not exist in the database, the serial number is regenerated and written into the database.

Further, the financial system asynchronously completes the transaction of 'pending' in a mode of summarizing and accounting the same batch number, and asynchronously returns the transaction processing result to the acquiring system comprises the following steps:

initiating a timing task, scanning all batch number information with a registration state of 'waiting to process' in the batch information registration table, determining a routing key according to the batch number information, and inquiring all transactions with the same batch number and a transaction state of 'waiting to process' in a transaction order form sublist in the level library according to the routing key;

acquiring all transactions with the same batch number and with the transaction state of 'pending', performing summary calculation on transaction amount, and updating the processing state of the corresponding batch number information in the batch information registry to 'processing';

assembling the summarized amount and the transaction information into a new request message and keeping accounts into a transaction, generating a serial number, routing the serial number through a routing key and registering the transaction information;

updating the transaction result to an online transaction order table, and updating the processing state of the corresponding batch number information in the batch information registry to 'processing completed';

and the financial system returns the transaction result to the acquiring system in an asynchronous notification mode.

Further, the updating the transaction results to the online transaction order table includes updating the status to "success" or "failure".

The second aspect of the invention discloses a system for processing the bill collecting service of a bank card, which comprises:

the batch number generation module is used for initiating a transaction to the financial system by the acquiring system, and the financial system acquires transaction information and generates a new batch number within a specified time according to a batch number generation rule established in advance;

the batch number recording module is used for registering the batch number into a batch information registration table, and the registration state is 'to be processed';

the transaction real-time registration module is used for carrying out hash on the batch number to generate a routing key, the transaction information and the batch number are routed according to the routing key and are registered in a transaction order form sub-table in a level library, and the initial transaction state is 'to be processed'; the financial system returns the transaction state and the batch number to the acquiring system in real time after finishing registration;

and the financial system asynchronously completes the transaction to be processed in a mode of summarizing and accounting the money of the same batch number and asynchronously returns the transaction processing result to the acquiring system.

A third aspect of the invention discloses a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method described above.

The fourth aspect of the invention discloses an electronic device, comprising a processor and a memory;

the memory is used for storing operation instructions;

the processor is used for executing the method by calling the operation instruction.

The invention has the beneficial effects that:

the method comprises two processes of online transaction and newly-added timing task summary accounting, avoids the problem of hot accounts caused by performing warehouse division and table division by taking a client number as a routing key through a real-time registration and asynchronous sum summary accounting mode, realizes the conversion of the transaction performance from 10tps to 1000tps by increasing the amount of the receipt business from 100 tens thousands of days to 400 tens thousands of days, and effectively solves the database bottleneck of an account system.

Drawings

Fig. 1 is a schematic flow chart of a method for processing an order receiving service of a bank card according to an embodiment of the present invention.

Fig. 2 is a schematic structural diagram of a system for processing an order receiving service of a bank card according to an embodiment of the present invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, 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 obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, shall fall within the protection scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in other sequences than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

The Baixin bank provides a bank card bill receiving service outwards, wherein the cooperation platform opens an internal account in the Baixin bank, and each merchant in the butt joint cooperation platform can open two accounts in the Baixin bank, namely an account to be settled and an available cash withdrawal account; when customers consume at a certain cooperation platform, the customers are transferred to internal accounts through payment mechanisms such as WeChat and the like, and a Bai Xin bank transfers the internal accounts of funds to accounts to be settled of merchants; with the continuous expansion of services, the consumption scene also generates a hot account problem, the frequency of calling an account system accounting interface by an acquiring system is higher and higher, the performance bottleneck brought to an account system database is caused, and the transaction performance bottleneck problem is also brought to an accounting system. In order to solve the problems, the invention provides a method for effectively solving the bottleneck problem of the database of the account system by a real-time registration + asynchronous sum total accounting mode.

The invention relates to a method for processing bill collecting business of a bank card, which has a step flow as shown in figure 1, wherein the method comprises an online transaction process, and the online transaction process specifically comprises the following steps:

step S1, the acquiring system initiates a transaction to the financial system, and the financial system acquires transaction information and generates a new batch number within a specified time according to a batch number generation rule established in advance;

step S2, registering the batch number in a batch information registration table, wherein the registration state is 'N-pending';

step S3, hash the batch number to generate a routing key, route the transaction information and the batch number according to the routing key and register the transaction information and the batch number into a transaction order table sub-table of a specific segment in a level library, wherein the initial transaction state is '0-to-be-processed';

step S4, the financial system returns the transaction state and the batch number to the acquiring system in real time after finishing registration;

and step S5, the financial system asynchronously completes the 0-pending transaction in the mode of summarizing and accounting the same batch number, and asynchronously returns the transaction processing result to the acquiring system.

The financial system acquires transaction information according to a preset batch number generation rule and generates a new batch number every N minutes, wherein N is more than or equal to 0 and less than or equal to 10, and preferably, N is 3.

Preferably, the batch number generation rule includes combining four fields of a starting account number (base), an opponent account number (othBase), a scene type (scenType) and a sequence number (sequence) in the transaction information to generate the batch number (batch no), and a batch number (batch no) string is base + othBase + scenType + sequence.

Preferably, the sequence number is generated by machine IP and timestamp concatenation.

Preferably, the method for generating the serial number includes:

judging whether the Redis link is abnormal or not;

The generation time of the serial number is preferably 3 minutes.

The step S5 specifically includes:

initiating a timing task, scanning all batch number information with a registration state of 'N-pending' in the batch information registration table, determining a routing key according to the batch number information, and inquiring all transactions with the same batch number and a transaction state of '0-pending' in a transaction order form sub-table of a specific segment in the horizontal library according to the routing key;

acquiring all transactions with the same batch number and with the transaction state of '0-pending', performing summary calculation on transaction amount, and updating the processing state of corresponding batch number information in the batch information registry to be 'P-in-process';

updating the transaction result to an online transaction order table, wherein the updating state is '1-success' or '2-failure', and the processing state of the corresponding batch number information in the batch information registry is updated to 'Y-processing completion';

In this embodiment, the transaction information is routed by using the client number as the routing key and the transaction information is registered and replaced by performing sub-database and sub-table division by using the transaction serial number as the routing key, so that 1024 sub-tables in the database are more uniform.

Another aspect of the present invention also relates to a system for processing the bill collecting service of the bank card, the structure of which is shown in fig. 2, comprising:

By using the system, the above-described method can be performed and the corresponding technical effects can be achieved.

Embodiments of the present invention also provide a computer-readable storage medium capable of implementing all the steps of the method in the above embodiments, the computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements all the steps of the method in the above embodiments.

Embodiments of the present invention further provide an electronic device for executing the method, as an implementation apparatus of the method, the electronic device at least includes a processor and a memory, and particularly, the memory stores data and related computer programs required for executing the method, and the processor calls the data and the programs in the memory to execute all steps of the implementation method, so as to obtain corresponding technical effects.

Preferably, the electronic device may comprise a bus architecture, which may include any number of interconnected buses and bridges linking together various circuits including one or more processors and memory. The bus may also link various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface provides an interface between the bus and the receiver and transmitter. The receiver and transmitter may be the same element, i.e., a transceiver, providing a means for communicating with various other systems over a transmission medium. The processor is responsible for managing the bus and general processing, while the memory may be used for storing data used by the processor in performing operations.

Additionally, the electronic device may further include a communication module, an input unit, an audio processor, a display, a power source, and the like. The processor (or controller, operation control) may include a microprocessor or other processor device and/or logic device, which receives input and controls the operation of various components of the electronic device; the memory may be one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices, and may store the above-mentioned related data information, and may also store a program for executing the related information, and the processor may execute the program stored in the memory to realize information storage or processing, etc.; the input unit is used for providing input to the processor, and can be a key or a touch input device; the power supply is used for supplying power to the electronic equipment; the display is used for displaying display objects such as images and characters, and may be an LCD display, for example. A communication module is a transmitter/receiver that sends and receives signals via an antenna. The communication module (transmitter/receiver) is coupled to the processor to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal. Based on different communication technologies, a plurality of communication modules, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be disposed in the same electronic device. The communication module (transmitter/receiver) is also coupled to a speaker and a microphone via an audio processor to provide audio output via the speaker and receive audio input from the microphone to implement the usual telecommunication functions. The audio processor may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor is also coupled to the central processor, so that recording on the local machine can be realized through the microphone, and sound stored on the local machine can be played through the loudspeaker.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system 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 an instruction system 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. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all changes and modifications that fall within the scope of the invention.

The above description is only for the preferred embodiment of the present invention, but the scope of the present invention 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 invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A method for processing a bank card billing service, comprising:

2. The method of claim 1, wherein the financial system obtains transaction information and generates a new batch number every N minutes according to a pre-established batch number generation rule, where 0 ≦ N ≦ 10.

3. The method of claim 1, wherein the batch number generation rule comprises combining four fields of an originating account number, an opponent account number, a scene type, and a serial number in the transaction information to generate the batch number.

4. The method of claim 3, wherein the sequence number is generated by machine IP and timestamp concatenation.

5. The method of claim 4, wherein the method of generating the sequence number comprises:

judging whether the Redis link is abnormal or not;

6. The method of any of claims 1 to 5, wherein the financial system asynchronously completing "pending" transactions with a collective accounting of the same batch number amount and asynchronously returning transaction processing results to the acquiring system comprises:

the collected money amount and the transaction information are assembled into a new request message and are booked into a transaction, a serial number is generated, the serial number is routed through a routing key, and the transaction information is registered;

7. The method of claim 6, wherein updating the transaction results to the online transaction order table comprises updating the status to "success" or "failure".

8. A system for processing a bank card billing service, comprising:

9. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 7.

10. An electronic device comprising a processor and a memory;

the memory is used for storing operation instructions;

the processor is used for executing the method of any one of claims 1 to 7 by calling the operation instruction.