Service request processing method and device, storage medium and program product

Abstract

The invention discloses a business request processing method and device, a storage medium and a program product, which can be applied to the field of financial science and technology, and comprises the following steps: after detecting that a target account node triggers a payment request, determining a target limit corresponding to the target account node; the target account node signs a fund pool sharing protocol with at least one other account node; judging whether a target quota corresponding to the target account node meets the payment request quota or not; if not, determining a sharing limit corresponding to the target account node according to a fund pool sharing protocol; and completing the payment request according to the payment priority, the sharing limit and the overdraft limit corresponding to the target account node. According to the technical scheme provided by the embodiment of the invention, the timeliness of fund sharing among different account nodes can be ensured, the scene of urgent need of fund of the account nodes is met, and the processing efficiency of the account node service request is improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer data processing, and is suitable for the field of financial technology, and in particular relates to a business request processing method and device, a storage medium and a program product. BACKGROUND

[0002] With the development of information technology, different account nodes (such as clients or servers) can share funds when completing a business request (such as a payment request), thereby reducing the size of external debt.

[0003] However, in the process of sharing funds between existing account nodes, multiple data interaction operations are usually required, such as identity verification, rule approval, etc., which is less time-efficient and difficult to meet the urgent needs of account node funds, affecting the processing efficiency of business requests. SUMMARY

[0004] The present application provides a business request processing method, device, storage medium and program product, which can ensure the timeliness of fund sharing between different account nodes, meet the urgent needs of account node funds, and improve the processing efficiency of account node business requests.

[0005] According to an aspect of the present application, a business request processing method is provided, the method comprising:

[0006] After detecting that a target account node triggers a payment request, determining a target quota corresponding to the target account node; the target account node and at least one other account node sign a fund pool sharing agreement;

[0007] determining whether the target quota corresponding to the target account node meets the payment request quota;

[0008] If not, according to the fund pool sharing agreement, determining the shared quota corresponding to the target account node;

[0009] According to the payment priority, shared quota and overdraft quota corresponding to the target account node, completing the payment request.

[0010] According to an aspect of the present application, a business request processing device is provided, the device comprising:

[0011] The request response module is configured to detect that a target account node triggers a payment request, and determine a target quota corresponding to the target account node; the target account node and at least one other account node sign a fund pool sharing agreement;

[0012] The target quota judgment module is configured to determine whether the target quota corresponding to the target account node meets the payment request quota;

[0013] A shared quota determination module is configured to, when the target quota does not meet the payment request quota, determine a shared quota corresponding to the target account node according to the fund pool sharing agreement.

[0014] A request processing module is configured to complete the payment request according to the payment priority, the shared quota and the overdraft quota corresponding to the target account node.

[0015] According to another aspect of the present application, an electronic device is provided, which comprises:

[0016] at least one processor; and

[0017] a memory connected to the at least one processor in communication; wherein

[0018] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor to enable the at least one processor to execute the business request processing method according to any one of the embodiments of the present application.

[0019] According to another aspect of the present application, a computer readable storage medium is provided, which stores computer instructions for enabling a processor to implement the business request processing method according to any one of the embodiments of the present application when executed by the processor.

[0020] According to another aspect of the present application, a computer program product is provided, which comprises a computer program for implementing the business request processing method according to any one of the embodiments of the present application when executed by a processor.

[0021] The technical solution provided by the embodiments of the present application provides a technical means that, after detecting that a target account node triggers a payment request, determining a target quota corresponding to the target account node; judging whether the target quota corresponding to the target account node meets a payment request quota according to the payment request, and if not, determining a shared quota corresponding to the target account node according to the fund pool sharing agreement, and completing the payment request according to a payment priority, the shared quota and an overdraft quota corresponding to the target account node, thereby providing a way of sharing fund pool quotas among different account nodes, supporting multiple account nodes that sign a fund pool sharing agreement to quickly share funds, saving time-consuming in rule approval, ensuring timeliness of fund sharing, meeting scenarios where funds are urgently needed by account nodes, and improving processing efficiency of business requests of account nodes.

[0022] It should be understood that the content described in this part is not intended to identify key or important features of the embodiments of the present application, nor is it used to limit the scope of the present application. Other features of the present application will become apparent from the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0024] Figure 1 is a flow chart of a service request processing method provided according to an embodiment of the present invention;

[0025] Figure 2 is a flowchart of another service request processing method provided by an embodiment of the present invention;

[0026] Figure 3 1 is a schematic structural diagram of a service request processing device provided according to an embodiment of the present invention;

[0027] Figure 4 It is a structural diagram of an electronic device for implementing the service request processing method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0028] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0029] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0030] Figure 1A flowchart of a service request processing method provided by an embodiment of the present application. The embodiment can be applied to a case of sharing funds among account nodes. The method can be executed by a service request processing device, which can be implemented in the form of hardware and / or software and can be configured in an electronic device. As shown in FIG. 10, the method comprises the following steps. Figure 1

[0031] In step 110, after detecting that the target account node triggers a payment request, the target quota corresponding to the target account node is determined. The target account node has signed a fund pool sharing agreement with at least one other account node.

[0032] In this embodiment, the target account node can be a client or a server corresponding to an account, etc. The target quota can be understood as the available quota corresponding to the target account node.

[0033] The fund pool sharing agreement is used to manage and control the fund sharing process among different account nodes. Specifically, the multiple account nodes that have signed the fund pool sharing agreement can perform fund operations through a counter channel or an enterprise online banking channel, etc. Any account node can use the funds of other account nodes in the fund pool for external payment. The contribution quotas of all account nodes in the fund pool form the total quota of the fund pool.

[0034] In this step, after detecting that the target account node triggers a payment request, the target quota corresponding to the target account node can be determined according to the identification information of the target account node.

[0035] In step 120, it is determined whether the target quota corresponding to the target account node meets the payment request quota. If yes, step 130 is executed; if no, step 140 is executed.

[0036] In this embodiment, the payment request can include the quota to be paid by the target account node. The target quota corresponding to the target account node can be compared with the quota to be paid (i.e., the payment request quota). Then, it is determined whether the target quota meets the payment request quota according to the comparison result. If the target quota meets the payment request quota, step 130 is executed; if the target quota does not meet the payment request quota, step 140 is executed.

[0037] In step 130, the target quota is used to complete the payment request.

[0038] In a specific embodiment, if the target quota corresponding to the target account node meets the payment request quota, the target quota can be used to complete the payment request. After the completion, payment success information is fed back to the target account node.

[0039] ​Step 140, according to the fund pool sharing agreement, determine the sharing quota corresponding to the target account node, and complete the payment request according to the payment priority, the sharing quota and the overdraft quota corresponding to the target account node.

[0040] In this embodiment, specifically, the payment priority can limit the payment order of different funds used by the target account node, for example, first using the sharing quota, then using the overdraft quota, or first using the overdraft quota, then using the sharing quota, etc. Optionally, the payment priority can be pre-configured by the target account node before triggering the payment request.

[0041] In this step, if the target quota corresponding to the target account node does not meet the payment request quota, the fund pool sharing agreement can be used to borrow the funds of other account nodes in the fund pool to form a sharing quota, and then the payment request can be completed according to the payment priority, the sharing quota and the overdraft quota corresponding to the target account node.

[0042] The technical scheme provided by the embodiment of the application includes the following steps: detecting that a target account node triggers a payment request, determining a target quota corresponding to the target account node, judging whether the target quota corresponding to the target account node meets a payment request quota according to the payment request, if not, determining a sharing quota corresponding to the target account node according to the fund pool sharing agreement, and completing the payment request according to the payment priority, the sharing quota and the overdraft quota corresponding to the target account node. The technical scheme provides a way for fund pool quota sharing between different account nodes, supports multiple account nodes that sign a fund pool sharing agreement to quickly realize fund sharing, saves the time-consuming of rule approval, ensures the timeliness of fund sharing, can meet the scene of urgent need of account node funds, and improves the processing efficiency of account node business requests.

[0043] Figure 2 Another flowchart of a business request processing method provided by the embodiment of the application is applied to a server, as shown in the figure, the method comprises the following steps: Figure 2

[0044] Step 210, after detecting that a target account node triggers a payment request, determining a target quota corresponding to the target account node.

[0045] Step 220, if the target quota does not meet the payment request quota, determining a sharing quota corresponding to the target account node according to the fund pool sharing agreement.

[0046] Step 230, according to the payment priority corresponding to the target account node, judging whether the payment type corresponding to the target account node is a rationing priority, if yes, executing step 240, if not, executing step 250. ​

[0047] In the embodiment, the payment priority can define the payment order of different funds of the target account node, such as ration priority (using the shared quota first, and then using the overdraft quota), or overdraft priority (using the overdraft quota first, and then using the shared quota), and the like.

[0048] In step 240, the payment request is completed using the shared quota corresponding to the target account node. If the shared quota does not meet the payment request quota, the payment request is completed using the overdraft quota corresponding to the target account node.

[0049] In the embodiment, if the payment type corresponding to the target account node is ration priority, the shared quota can be formed according to the funds of the remaining account nodes in the fund pool, and then the payment request is completed using the shared quota. If the shared quota does not meet the payment request quota, the payment request is completed using the overdraft quota corresponding to the target account node.

[0050] The advantage of such a setting is that the payment result of the target account node can be matched with the pre-set payment type, the available quota of the target account node is facilitated to be managed and controlled, and the convenience of fund management of the target account node is improved.

[0051] After this step, it further includes: if the overdraft quota does not meet the payment request quota, determining that the payment request processing fails, and feeding back the payment failure information to the target account node.

[0052] In one specific embodiment, the payment failure information can include the payment time and the payment failure reason, and the like. By feeding back the payment failure information to the target account node, the target account node is facilitated to solve the payment exception, and the fund payment process is facilitated to be traced and inquired.

[0053] In step 250, the payment request is completed using the overdraft quota corresponding to the target account node. If the overdraft quota does not meet the payment request quota, the payment request is completed using the shared quota corresponding to the target account node.

[0054] In the embodiment, if the payment type corresponding to the target account node is overdraft priority, the payment request is completed using the overdraft quota corresponding to the target account node first. If the overdraft quota does not meet the payment request quota, the shared quota is formed according to the funds of the remaining account nodes in the fund pool, and then the payment request is completed using the shared quota.

[0055] The advantage of such a setting is that the payment result of the target account node can be matched with the pre-set payment type, the available quota of the target account node is facilitated to be managed and controlled, and the convenience of fund management of the target account node is improved.

[0056] After this step, further comprising: if the shared quota does not meet the payment request quota, determining that the payment request processing fails, and feeding back payment failure information to the target account node.

[0057] The technical scheme provided by the embodiment of the application, after detecting that the target account node triggers a payment request, determining a target quota corresponding to the target account node, if the target quota does not meet the payment request quota, determining a shared quota corresponding to the target account node according to the fund pool sharing agreement, judging whether the payment type corresponding to the target account node is a priority of adjustment according to the payment priority corresponding to the target account node, if yes, completing the payment request using the shared quota corresponding to the target account node, if the shared quota does not meet the payment request quota, completing the payment request using the overdraft quota corresponding to the target account node, if no, completing the payment request using the overdraft quota corresponding to the target account node, and if the overdraft quota does not meet the payment request quota, completing the payment request using the shared quota corresponding to the target account node, can ensure the timeliness of fund sharing between different account nodes, meet the scene of urgent need of account node funds, and improve the processing efficiency of account node business requests.

[0058] On the basis of the above-mentioned embodiment, the business request processing method can involve two configuration scenarios of account nodes: a unified currency scenario and a currency division scenario.

[0059] In the unified currency scenario, the fund pool sharing agreement can be signed by different currency sub-account nodes under different primary account nodes. Under this fund pool sharing agreement, each sub-account node can contribute its available balance to the fund pool according to a certain proportion. When determining the shared quota corresponding to the target account node, the balance quota of each sub-account node can be obtained according to the above-mentioned proportion, and according to different currencies corresponding to different sub-account nodes, the quota corresponding to each sub-account node is converted according to the conversion rate, the total quota of the fund pool is determined according to the conversion result, and the total quota of the fund pool is taken as the shared quota.

[0060] The advantage of such a setting is that it can provide a cross-currency shared quota for multiple account nodes, while ensuring the timeliness of fund sharing, it can improve the convenience of the fund sharing process.

[0061] Under this fund pool sharing agreement, after detecting that the target account node triggers a payment request, determining a target quota corresponding to the target account node, comprises: after detecting that the target account node triggers a payment request, determining a target quota corresponding to the target account node according to the quota of the primary account node to which the target account node belongs.

[0062] The advantage of such an arrangement is that if the fund pool sharing agreement is signed by sub-account nodes of different currencies, by taking the available quota of the master account node to which the target account node belongs as the target quota corresponding to the target account node, the maximum available quota for the target account node can be obtained, thereby quickly completing the payment operation and improving the payment request processing efficiency.

[0063] In the unified currency scenario, when each sub-account node makes a payment, it can first determine whether the available quota of the master account node to which it belongs meets the payment request quota, and if so, use the available quota of the master account node to make the payment.

[0064] If not, if the payment type of the sub-account node is adjustment priority, the total available quota of the fund pool is used for payment, i.e., the funds of the remaining sub-account nodes in the fund pool are used, and the converted total available quota of the fund pool is correspondingly reduced, if the available quota is still insufficient, the available overdraft quota of the sub-account node is used for payment, and if the available overdraft quota is still insufficient, the payment is confirmed to fail. In this scenario, if the sub-account node receives funds, the funds can be used to offset the overdraft quota first, and if there is a surplus, the fund pool sharing quota is used.

[0065] If the payment type of the sub-account node is overdraft priority, the available overdraft quota of the sub-account node is used first, and if the overdraft quota is still insufficient for payment, the total available quota of the fund pool is used for payment, i.e., the funds of the remaining sub-account nodes in the fund pool are used, and the converted total available quota of the fund pool is correspondingly reduced, if the available quota is still insufficient, the payment is confirmed to fail. In this scenario, if the sub-account node receives funds, the funds can be used to offset the fund pool sharing quota first, and if there is a surplus, the overdraft quota is used.

[0066] In the split currency scenario, the fund pool sharing agreement is signed by sub-account nodes of the same currency under different master account nodes. Under this fund pool sharing agreement, each sub-account node can contribute its available balance to the fund pool of the corresponding currency according to a certain proportion.

[0067] Under this fund pool sharing agreement, after detecting that the target account node triggers a payment request, the target quota corresponding to the target account node is determined, including: after detecting that the target account node triggers a payment request, taking the balance quota of the target account node as the target quota corresponding to the target account node.

[0068] The advantage of such an arrangement is that if the fund pool sharing agreement is signed by sub-account nodes of the same currency, by taking the available quota of the target account node itself as the target quota corresponding to the target account node, the payment operation corresponding to the target account node can be quickly completed, and the payment request processing efficiency is improved.

[0069] In the sub-currency scenario, when each sub-account node makes a payment, it can first determine whether its available amount meets the payment request amount, and if so, use its available amount to make the payment.

[0070] If not, if the payment type of the sub-account node is the first to be adjusted, the total available amount of the fund pool is used to make the payment, i.e. the funds of the remaining sub-account nodes in the fund pool in the corresponding currency are used, and the total available amount of the fund pool in the currency is reduced, if the available amount is still insufficient, the available overdraft amount of the sub-account node is used to make the payment, and if the available overdraft amount is still insufficient, the payment is confirmed to fail. In this scenario, if the sub-account node receives funds, the funds can be used to offset the overdraft amount first, and if there is a surplus, the fund pool sharing amount is used.

[0071] If the payment type of the sub-account node is the first to be adjusted, the total available amount of the fund pool is used to make the payment, i.e. the funds of the remaining sub-account nodes in the fund pool in the corresponding currency are used, and the total available amount of the fund pool in the currency is reduced, if the available amount is still insufficient, the available overdraft amount of the sub-account node is used to make the payment, and if the available overdraft amount is still insufficient, the payment is confirmed to fail. In this scenario, if the sub-account node receives funds, the funds can be used to offset the overdraft amount first, and if there is a surplus, the fund pool sharing amount is used.

[0072] Figure 3 A structural schematic diagram of a service request processing device provided by an embodiment of the application is provided, which is applied to an electronic device, as shown in the figure, the device comprises a request response module 310, a target amount judgment module 320, a shared amount determination module 330 and a request processing module 340. Figure 3

[0073] The request response module 310 is used to determine the target amount corresponding to the target account node after detecting that the target account node triggers a payment request; the target account node signs a fund pool sharing agreement with at least one other account node;

[0074] The target amount judgment module 320 is used to determine whether the target amount corresponding to the target account node meets the payment request amount.

[0075] The shared amount determination module 330 is used to determine the shared amount corresponding to the target account node according to the fund pool sharing agreement when the target amount does not meet the payment request amount.

[0076] The request processing module 340 is used to complete the payment request according to the payment priority, the shared amount and the overdraft amount corresponding to the target account node.

[0077] ​The technical scheme provided by the embodiment of the application comprises the following steps: after detecting that a target account node triggers a payment request, determining a target quota corresponding to the target account node; judging whether the target quota corresponding to the target account node meets a payment request quota according to the payment request; if not, determining a shared quota corresponding to the target account node according to the fund pool sharing agreement, and completing the payment request according to a payment priority, the shared quota and an overdraft quota corresponding to the target account node. The technical scheme provides a fund pool quota sharing method between different account nodes, supports multiple account nodes that sign a fund pool sharing agreement to quickly share funds, saves time consumption of rule approval, guarantees timeliness of fund sharing, can meet scenarios where funds of account nodes are urgently needed, and improves processing efficiency of business requests of account nodes.

[0078] On the basis of the above embodiment, the request processing module 340 comprises:

[0079] The dispensing priority payment unit is configured to determine whether a payment type corresponding to the target account node is dispensing priority according to the payment priority corresponding to the target account node; if yes, complete the payment request using the shared quota corresponding to the target account node; if the shared quota does not meet the payment request quota, complete the payment request using the overdraft quota corresponding to the target account node.

[0080] The overdraft priority payment unit is configured to complete the payment request using the overdraft quota corresponding to the target account node when the payment type corresponding to the target account node is overdraft priority; if the overdraft quota does not meet the payment request quota, complete the payment request using the shared quota corresponding to the target account node.

[0081] The information feedback unit is configured to determine that the payment request processing fails if the overdraft quota does not meet the payment request quota after the payment request is completed using the overdraft quota corresponding to the target account node when the shared quota does not meet the payment request quota, and feed back payment failure information to the target account node; the information feedback unit is also configured to determine that the payment request processing fails if the shared quota does not meet the payment request quota after the payment request is completed using the shared quota corresponding to the target account node when the overdraft quota does not meet the payment request quota, and feed back payment failure information to the target account node.

[0082] The request response module 310 comprises:

[0083] The cross-currency processing unit is configured to, when the fund pool sharing agreement is signed by sub-account nodes of different currencies under different master account nodes, determine a target quota corresponding to a target account node according to a quota of a master account node to which the target account node belongs after detecting that the target account node triggers a payment request.

[0084] The same-currency processing unit is configured to, when the fund pool sharing agreement is signed by the sub-account nodes of the same currency under different master account nodes, detect that the target account node triggers the payment request, and take the balance quota of the target account node as a target quota corresponding to the target account node.

[0085] The shared quota determination module 330 includes:

[0086] The quota conversion unit is configured to, when the fund pool sharing agreement is signed by the sub-account nodes of different currencies under different master account nodes, obtain the balance quota of each sub-account node according to a preset proportion, convert the quota obtaining result of each sub-account node according to different currencies corresponding to different sub-account nodes, determine the total quota of the fund pool according to the conversion result, and take the total quota of the fund pool as the shared quota.

[0087] The device can perform the method provided by all the foregoing embodiments of the application, has the corresponding function modules and beneficial effects for performing the foregoing method. Technical details not described in detail in the embodiments of the application can be referred to the method provided by all the foregoing embodiments of the application.

[0088] Figure 4 A structural schematic diagram of an electronic device 10 that can be used to implement embodiments of the application is shown. The electronic device is intended to represent various forms of digital computers, such as laptops, desktops, tablets, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device can also represent various forms of mobile devices, such as personal digital assistants, cellular telephones, smart phones, wearable devices (e.g., headsets, glasses, watches, etc.), and other similar computing devices. The components shown here, their connections and relationships, and their functions, are meant to be examples only, and are not intended to limit the implementations of the applications described and / or claimed in this document.

[0089] As shown in Figure 4 The electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., which are communicatively connected to the at least one processor 11, wherein the memory stores a computer program executable by the at least one processor. The processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or loaded from the storage unit 18 into the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0090] A plurality of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a magnetic disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network, such as the Internet, and / or various telecommunication networks.

[0091] The processor 11 can be various general and / or special purpose processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special-purpose artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 performs various methods and processes described above, such as the service request processing method.

[0092] In some embodiments, the service request processing method can be implemented as a computer program tangibly embodied in a computer readable storage medium, such as the storage unit 18. In some embodiments, part or all of the computer program can be loaded and / or installed onto the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded onto the RAM 13 and executed by the processor 11, one or more steps of the service request processing method described above can be performed. Alternatively, in other embodiments, the processor 11 can be configured to perform the service request processing method by any other appropriate means, such as by means of firmware.

[0093] Various implementations of the systems and techniques described above can be realized in digital electronic circuitry, integrated circuitry, a field programmable gate array (FPGA), an application specific integrated circuit (ASIC), a system on a chip (SOC), a programmable logic device (PLD), a computer hardware, firmware, software, and / or combinations thereof. These various implementations can include implementation in one or more computer programs that are executable and / or interpretable on a programmable system including at least one programmable processor, which can be special or general purpose, coupled to receive data and instructions from, and to transmit data and instructions to, a storage system, at least one input device, and at least one output device.

[0094] Computer programs for implementing the methods of the present application can be written in any combination of one or more programming languages. These computer programs can be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer program, when executed, enables the functions / acts specified in the flowcharts and / or block diagrams to be implemented. The computer program can be executed entirely on a machine, partially on a machine, partially on a machine as a standalone software package and partially on a remote machine or entirely on a remote machine or server.

[0095] In the context of the present application, a computer-readable storage medium can be a tangible medium that can contain or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. A computer-readable storage medium can include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium can be a machine-readable signal medium. More specific examples of a machine-readable storage medium will include one or more lines of a program of instructions in a transitory signal, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0096] To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user and a keyboard and a pointing device (e.g., a mouse or a trackball) by which the user can provide input to the electronic device. Other kinds of devices can be used to provide for interaction with a user as well; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form, including acoustic, speech, or tactile input.

[0097] The systems and techniques described herein can be implemented in a computing system that includes a back end component, e.g., as a data server, or that includes a middleware component, e.g., an application server, or that includes a front end component, e.g., a user computer having a graphical user interface or a Web browser through which a user can interact with an implementation of the systems and techniques described herein, or any combination of such back end, middleware, or front end components. The components of the system can be interconnected by any form or medium of digital data communication, e.g., a communication network. Examples of communication networks include a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0098] The computing system can include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. A server can be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system, to solve the defects of large management difficulty and weak business scalability in traditional physical host and VPS service.

[0099] It should be understood that the various forms of flow shown above can be re-ordered, added to, or deleted from without departing from the scope of the present disclosure. For example, the steps recited in the present disclosure can be executed in parallel, executed in sequence, or executed in different orders, as long as the desired results of the technical solutions of the present disclosure can be achieved, and the present disclosure is not limited herein.

[0100] The above detailed description does not constitute a limitation on the protection scope of the present application. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent replacements, and improvements made within the spirit and principles of the present application shall be included in the protection scope of the present application.

Claims

1. A method for processing a business request, characterized in that: The method comprises: After detecting that a target account node has triggered a payment request, determining a target credit limit corresponding to the target account node; the target account node has signed a fund pool sharing agreement with at least one other account node; Determine whether the target amount corresponding to the target account node meets the payment request amount; If not, determine the sharing quota corresponding to the target account node according to the fund pool sharing agreement; The payment request is completed according to the payment priority, shared credit limit and overdraft limit corresponding to the target account node.

2. The method according to claim 1, characterized in that Completing the payment request according to the payment priority, shared credit limit, and overdraft limit corresponding to the target account node includes: According to the payment priority corresponding to the target account node, determining whether the payment type corresponding to the target account node is adjustment priority; If yes, the payment request is completed using the shared credit limit corresponding to the target account node; If the shared credit limit does not meet the payment request limit, the overdraft limit corresponding to the target account node is used to complete the payment request.

3. The method according to claim 2, characterized in that After determining, based on the payment priority corresponding to the target account node, whether the payment type corresponding to the target account node is adjustment priority, the method further includes: If not, the payment request is completed using the overdraft limit corresponding to the target account node; If the overdraft limit does not meet the payment request limit, the shared limit corresponding to the target account node is used to complete the payment request.

4. The method according to claim 3, characterized in that If the shared credit limit does not meet the payment request credit limit, then after using the overdraft credit limit corresponding to the target account node to complete the payment request, the method further includes: If the overdraft limit does not meet the payment request limit, it is determined that the payment request processing has failed, and payment failure information is fed back to the target account node; If the overdraft limit does not meet the payment request limit, after using the shared limit corresponding to the target account node to complete the payment request, the method further includes: If the shared credit limit does not meet the payment request credit limit, it is determined that the payment request processing has failed, and payment failure information is fed back to the target account node.

5. The method according to claim 1, wherein The fund pool sharing agreement is signed by sub-account nodes of different currencies under different master account nodes; After detecting that the target account node has triggered a payment request, the target amount corresponding to the target account node is determined, including: After detecting that the target account node has triggered a payment request, the target credit limit corresponding to the target account node is determined according to the credit limit of the master account node to which the target account node belongs.

6. The method according to claim 5, characterized in that Determining the shared quota corresponding to the target account node according to the fund pool sharing agreement includes: Obtaining the balance of each sub-account node according to a preset ratio, and converting the balance obtained for each sub-account node according to the different currencies corresponding to different sub-account nodes; The total amount of the fund pool is determined based on the conversion result, and the total amount of the fund pool is used as the shared amount.

7. The method according to claim 1, characterized in that The fund pool sharing agreement is signed by sub-account nodes of the same currency under different master account nodes; After detecting that the target account node has triggered a payment request, the target amount corresponding to the target account node is determined, including: After detecting that the target account node has triggered a payment request, the balance amount of the target account node is used as the target amount corresponding to the target account node.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor. The computer program is executed by the at least one processor so that the at least one processor can execute the service request processing method according to any one of claims 1 to 7.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the service request processing method according to any one of claims 1 to 7 when executed.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the computer program implements the service request processing method according to any one of claims 1 to 7.

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