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Sub-account processing method and system

A processing method and account technology, applied in the field of data processing, can solve problems such as hidden dangers of hot accounts, restrictions on application deployment across data centers, and non-compliance with autonomous control, so as to avoid relying on high-end software and hardware equipment, achieve horizontal scalability, improve The effect of business continuity

Active Publication Date: 2021-03-19
银清科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] 1) Distributed deployment is not supported, and application deployment across data centers is limited
[0005] Stand-alone deployment has a single point of failure risk, which does not meet business continuity requirements
[0006] 2) There are hidden dangers of hot accounts
[0007] Centralized account accounting and single account can only be deployed on stand-alone nodes, and the concurrency performance can only be improved through vertical expansion, and there is a bottleneck in expansion; most of the payment and clearing business occurs between a few large banks, with the growth of business volume , there are hidden dangers of hotspot accounts in centralized accounts
[0008] 3) Rely on high-end hardware and software equipment, which does not meet the requirements of independent control
[0009] The centralized architecture relies heavily on high-end software and hardware equipment, and cannot meet the needs of diversified and flexible deployment, nor can it meet the security requirements of independent and controllable key business information systems

Method used

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  • Sub-account processing method and system

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Embodiment Construction

[0035] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0036] Those skilled in the art know that the embodiments of the present invention can be implemented as a system, device, device, method or computer program product. Therefore, the present disclosure may be embodied in the form of complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0037] In view of the fact that the existing technology does not support distributed deploym...

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PUM

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Abstract

The invention provides a sub-account processing method and system. The sub-account processing method comprises the steps that an account division system divides each bank account into a bank main account and a plurality of bank sub-accounts; the account distribution system distributes all bank main accounts to the main account clearing system according to the number of times of business interaction between the bank accounts, and distributes all bank sub-accounts to the plurality of sub-account clearing systems; the routing system sends the clearing message to a main account clearing system orone sub-account clearing system; wherein the clearing message comprises clearing amount data; the main account clearing system or the sub-account clearing system compares the available head of the borrowed line account with clearing amount data; according to the comparison result and the clearing message, corresponding clearing amount clearing processing between the borrowing and remembering bankaccount and the loan bank account is executed, service continuity can be improved, application distributed transformation is supported, transverse expandability is achieved, generation of a hot spot account is avoided, and dependence on high-end software and hardware equipment is avoided.

Description

technical field [0001] The present invention relates to the field of data processing, in particular to a sub-account processing method and system. Background technique [0002] The bank's second-generation payment system can support a peak of 500,000 visits to a single account per hour, which can meet current business processing needs. However, with the rapid development of the social economy, the scale of the economy continues to expand, and the transaction activities become more and more frequent. In the foreseeable future, the peak transaction volume of large banks may exceed 500,000 transactions per hour, resulting in a single settlement account becoming a hot account. [0003] At present, more payment systems adopt a centralized architecture, which is characterized by a simple and stable architecture, easy vertical expansion and management, and mature technology, but there are still the following defects: [0004] 1) Distributed deployment is not supported, and applica...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02G06Q20/22G06Q20/24G06Q20/26
Inventor 肖鹏李翠平景婉婧
Owner 银清科技有限公司
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