Multi-account transaction processing method and device

Abstract

The present invention discloses a method and device for processing multi-account transactions, which can be applied to the financial field. The method comprises: receiving a multi-account transaction request, determining a transaction channel and a transaction type of the multi-account transaction request; when multiple accounts belong to a pre-established account group, querying a daily maximum payable limit value corresponding to the transaction channel and the transaction type of the multi-account transaction request from a limit parameter table of the account group, wherein the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types are stored in the limit parameter table of the account group; when the query is obtained, comparing the amount to be paid with the queried daily maximum payable limit value, and when the amount to be paid is less than or equal to the queried daily maximum payable limit value, deducting money according to the amount to be paid. The present invention improves the efficiency and flexibility of multi-account payment.

Description

Technical Field

[0001] The present invention relates to a method and device for processing multi-account transactions, which can be applied in the financial field. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] In the banking system, for customers such as groups and companies, there are many accounts involved, many products, and complex relationships. The traditional way to set limits for accounts is to set a limit value for a single account at the counter. When a company needs to pay multiple accounts, it is necessary to manually calculate how much payable amount should be allocated to each account. This method is cumbersome and inefficient. Another method is to batch maintain the product parameters of the account in the background. This method is to solidify the limit values ​​of multiple accounts in specific products, which is less flexible.

[0004] Currently, no effective solution has been proposed to the above problems. Summary of the invention

[0005] An embodiment of the present invention provides a method for processing multi-account transactions, which is used to improve the efficiency and flexibility of multi-account transaction processing. The method includes:

[0006] Receive multi-account transaction requests, and determine the transaction channels and transaction types of the multi-account transaction requests;

[0007] When multiple accounts belong to a pre-established account group, query the daily maximum payable limit value corresponding to the transaction channel and transaction type of the multi-account transaction request from the limit parameter table of the account group, wherein the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types are stored in the limit parameter table of the account group;

[0008] When the amount is queried, the amount to be paid is compared with the maximum payable limit value of the day. When the amount to be paid is less than or equal to the maximum payable limit value of the day, the amount to be paid is deducted according to the amount to be paid.

[0009] An embodiment of the present invention provides a multi-account transaction processing device, which is used to improve the efficiency and flexibility of multi-account transaction processing. The device includes:

[0010] A transaction request receiving module, used to receive multi-account transaction requests and determine the transaction channel and transaction type of the multi-account transaction requests;

[0011] A limit parameter table query module, for querying the daily maximum payable limit value corresponding to the transaction channel and transaction type of the multi-account transaction request from the limit parameter table of the account group when multiple accounts belong to a pre-established account group, wherein the limit parameter table of the account group stores the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types;

[0012] The payment control module, when inquired, compares the amount to be paid with the maximum payable limit value of the day found, and when the amount to be paid is less than or equal to the maximum payable limit value of the day found, deducts money according to the amount to be paid.

[0013] An embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned multi-account transaction processing method when executing the computer program.

[0014] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a processing method for executing the above-mentioned multi-account transaction.

[0015] The embodiment of the present invention comprises: receiving a multi-account transaction request, determining a transaction channel and a transaction type of the multi-account transaction request; when multiple accounts belong to a pre-established account group, querying a daily maximum payable limit value corresponding to the transaction channel and the transaction type of the multi-account transaction request from a limit parameter table of the account group, wherein the limit parameter table of the account group stores the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types; when the query is obtained, comparing the amount to be paid with the queried daily maximum payable limit value, and when the amount to be paid is less than or equal to the queried daily maximum payable limit value, deducting money according to the amount to be paid, and then forming an account group with multiple accounts, setting a limit for the account group, and processing transactions according to the limit of the account group, thereby improving the efficiency of multi-account payment, and storing the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types in the limit parameter table of the account group, so as to meet the account group's limit setting requirements for different transaction channels and different transaction types, thereby improving the flexibility of multi-account payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. 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. In the drawings:

[0017] Figure 1A schematic diagram of a multi-account transaction processing method according to an embodiment of the present invention;

[0018] Figure 2 A schematic diagram of a batch processing flow at the end of the day in an embodiment of the present invention;

[0019] Figure 3 A schematic diagram of the overall framework for processing multi-account transactions in an embodiment of the present invention;

[0020] Figure 4 It is a schematic diagram of another process of end-of-day batch processing in an embodiment of the present invention;

[0021] Figure 5 A schematic diagram of a user change notification process in an embodiment of the present invention;

[0022] Figure 6 Schematic diagram of the structure of a processing device for multi-account transactions in an embodiment of the present invention;

[0023] Figure 7 Schematic diagram of another structure of a multi-account transaction processing device in an embodiment of the present invention. DETAILED DESCRIPTION

[0024] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments 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 creative work are within the scope of protection of the present invention.

[0025] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, device, method or computer program product. Therefore, the present invention may be implemented in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0026] The embodiment of the present invention provides a method for processing multi-account transactions, so as to improve the efficiency and flexibility of multi-account transaction processing. Figure 1 FIG. 1 is a schematic diagram of a method for processing multi-account transactions in an embodiment of the present invention. Figure 1 As shown, the method includes:

[0027] Step 101: receiving a multi-account transaction request, and determining a transaction channel and a transaction type of the multi-account transaction request;

[0028] Step 102: When multiple accounts belong to a pre-established account group, query the daily maximum payable limit value corresponding to the transaction channel and transaction type of the multi-account transaction request from the limit parameter table of the account group, wherein the limit parameter table of the account group stores the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types;

[0029] Step 103: When the amount is queried, the amount to be paid is compared with the maximum payable limit value of the day. When the amount to be paid is less than or equal to the maximum payable limit value of the day, the amount to be paid is deducted.

[0030] like Figure 1 As shown, the embodiment of the present invention comprises: receiving a multi-account transaction request, determining a transaction channel and a transaction type of the multi-account transaction request; when multiple accounts belong to a pre-established account group, querying the maximum payable limit value of the day corresponding to the transaction channel and the transaction type of the multi-account transaction request from the limit parameter table of the account group, wherein the limit parameter table of the account group stores the maximum payable limit values ​​of the day corresponding to multiple transaction channels and multiple transaction types; when the query is obtained, comparing the amount to be paid with the queried maximum payable limit value of the day, and when the amount to be paid is less than or equal to the queried maximum payable limit value of the day, deducting money according to the amount to be paid, and then by forming an account group with multiple accounts, setting a limit for the account group, and processing transactions according to the limit of the account group, the efficiency of multi-account payment is improved, and by storing the maximum payable limit values ​​of the day corresponding to multiple transaction channels and multiple transaction types in the limit parameter table of the account group, the limit setting requirements of the account group for different transaction channels and different transaction types can be met, thereby improving the flexibility of multi-account payment.

[0031] In one embodiment, the limit parameter table includes: a periodic limit parameter table and a daily limit parameter table;

[0032] The periodic limit parameter table stores the limit values, limit types, paid amounts, start dates and end dates of the limits corresponding to various transaction channels and various transaction types. The start date and end date of the limits are divided into multiple periods according to the limit types. The periodic limit parameter table also stores the start date and end date of the current period.

[0033] The daily limit parameter table stores the limit values, paid amounts and maximum payable limit values ​​for the day corresponding to various transaction channels and various transaction types, among which the maximum payable limit value for the day is determined based on the corresponding limit values ​​and paid amounts in the periodic limit parameter table.

[0034] During specific implementation, in the embodiment of the present invention, it is necessary to first design a quota parameter table, which includes: a periodic quota parameter table and a daily quota parameter table. The periodic quota parameter table is shown in Table 1.

[0035] Table 1 Cycle limit parameter table

[0036]

[0037]

[0038] As shown in Table 1, the start date and end date of the limit in the periodic limit parameter table are the overall time period for the use of the limit, for example: 2021 / 01 / 01 to 2021 / 12 / 31. The start date and end date of the limit can be divided into multiple periods according to the limit type. For example, if the limit type is a monthly limit, the start date and end date of the period can be: the start date and end date of the first period are 2021 / 01 / 01 to 2021 / 01 / 31, and the start date and end date of the second period are 2021 / 2 / 1 to 2021 / 2 / 28.

[0039] The daily limit parameter table is shown in Table 2.

[0040] Table 2 Daily limit parameters

[0041]

[0042]

[0043] After completing the design of Table 1 and Table 2, multiple accounts can be organized into account groups according to customer needs, and limit parameter tables can be maintained for account groups. Specifically, the parameters of the value range column of each element in the 4th column of Table 1 and Table 2 can be customized according to actual product requirements and customer needs. An account group can set multiple limit parameter tables, which can be a combination of different channels, transaction types, and limit types to meet the account group's limit setting requirements for different transaction channels and transaction types. In addition, if the account group maintains multiple limit parameter tables and takes effect at the same time, and the transaction channel and transaction type are consistent, the smaller limit value is taken as the external representation of these limit parameter tables.

[0044] Figure 2 Schematic diagram of the end-of-day batch processing process in an embodiment of the present invention, such as Figure 2 As shown, in one embodiment, when the amount to be paid is less than or equal to the maximum payable limit value of the day found, after deducting money according to the amount to be paid, the method further includes:

[0045] Step 201: Record the deduction amount to the paid amount in the daily limit parameter table;

[0046] Step 202: At the end of the day, the paid amount in the daily limit parameter table is added to the paid amount in the periodic limit parameter table based on multiple processes, and the paid amount in the daily limit parameter table is cleared.

[0047] Figure 3 Schematic diagram of the overall framework for processing multi-account transactions in an embodiment of the present invention. Figure 3 As shown, after the limit parameter table (Table 1 and Table 2) is configured, it can be stored with the account group identifier. When paying with an account, a multi-account transaction request needs to be initiated. After receiving the multi-account transaction request, the transaction channel and transaction type of the multi-account transaction request are first determined, and it is determined whether the multiple accounts belong to a pre-established account group. If multiple accounts belong to a pre-established account group and the account group maintains the limit parameter table, it is necessary to apply to the account group whether payment can be made.

[0048] Specifically, it is possible to query from the limit parameter table of the account group whether there is a maximum payable limit value for the day corresponding to the transaction channel and transaction type of the multi-account transaction request, wherein the maximum payable limit value for the day is queried in the daily limit parameter table of the account group (Table 2). If it cannot be found, the payment is not subject to limit control. If it is found, the amount to be paid is compared with the queried maximum payable limit value for the day. When the amount to be paid is greater than the queried maximum payable limit value for the day, payment is refused. When the amount to be paid is less than or equal to the queried maximum payable limit value for the day, deductions are made according to the amount to be paid, and the deduction amount is recorded in the paid amount column in the daily limit parameter table.

[0049] Figure 4 FIG. 1 is a schematic diagram of another process of batch processing at the end of the day in an embodiment of the present invention. Figure 4 As shown, in one embodiment, when the amount to be paid is less than or equal to the maximum payable limit value of the day found, after deducting money according to the amount to be paid, the method further includes:

[0050] Step 401: When the current date is equal to the end date of the current cycle, for the cycle limit parameter table, the paid amount is cleared, the start date of the current cycle is replaced by the start date of the next cycle, and the end date of the current cycle is replaced by the end date of the next cycle;

[0051] Step 402: When the current date is less than the end date of the current cycle, the maximum payable limit value for the day in the daily limit parameter table is updated according to the limit value in the cycle limit parameter table and the paid amount, and the paid amount in the daily limit parameter table is cleared.

[0052] In the specific implementation, at the end of the day, it is necessary to use a multi-process C program to batch update the limit parameter table of the account group. First, the expired limit parameter table can be deleted, that is, the limit parameter table corresponding to the limit expiration date is less than or equal to the current date. In addition, when the "Whether to recycle" column in the periodic limit parameter table is no, the corresponding limit value is set to 0, and payment is not allowed in the future.

[0053] Due to the busy system business during the day, when making payments during the day, only the deduction amount will be recorded in the paid amount column of the daily limit parameter table. At the end of the day, the periodic limit parameter table and the daily limit parameter table will be further maintained and updated. It is necessary to add the paid amount in the daily limit parameter table to the paid amount in the periodic limit parameter table, and clear the paid amount in the daily limit parameter table.

[0054] When the current date is equal to the end date of the current cycle, it means that the current cycle has ended. For the cycle limit parameter table, the paid amount will be cleared and the start date of the current cycle will be replaced by the start date of the next cycle. The start date of the next cycle = the end date of the current cycle + 1. The end date of the next cycle is calculated based on the start date of the next cycle, which involves the conversion of days, weeks, months, quarters, and years. Then the end date of the current cycle is replaced by the end date of the next cycle.

[0055] When the current date is less than the end date of the current cycle, the maximum payable limit value for the day needs to be recalculated. The maximum payable limit value for the day in the daily limit parameter table can be updated based on the difference between the limit value in the cycle limit parameter table and the paid amount, and the paid amount in the daily limit parameter table can be cleared.

[0056] Finally, the quota usage date in the periodic quota parameter table is updated to the current date to record that the quota parameter table has been cut to the current date.

[0057] As can be seen from the above analysis, the embodiment of the present invention can achieve fine-grained, dynamic and precise control of account group limits by setting a periodic limit parameter table and a daily limit parameter table, and maintaining parameter tables of two different time scales. In addition, the concurrent execution of end-of-day batches by multiple processes can also improve system performance.

[0058] Figure 5 FIG. 1 is a schematic diagram of a user activation notification process according to an embodiment of the present invention. Figure 5 As shown, in one embodiment, when the amount to be paid is less than or equal to the maximum payable limit value of the day found, after deducting money according to the amount to be paid, the method further includes:

[0059] Step 501: upon receiving a payment success notification, update the transaction status to successful transaction;

[0060] Step 502: upon receiving the account activation notification for reversal, the deducted amount will be returned and the transaction status will be updated to "reversed".

[0061] During specific implementation, a transaction status table can also be maintained. After deducting the amount to be paid, the status of the transaction status table is set to pending. When receiving a notification of successful payment, the transaction status is updated to successful transaction. When receiving a notification of reversal, the deducted amount is returned and the transaction status is updated to reversed.

[0062] It should be noted that although the operations of the method of the present invention are described in a specific order in the drawings, this does not require or imply that the operations must be performed in this specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0063] Based on the same inventive concept, an embodiment of the present invention also provides a processing device for multi-account transactions, such as the following embodiments. Since the principle of solving the problem by the processing device for multi-account transactions is similar to the processing method for multi-account transactions, the implementation of the device can refer to the implementation of the method, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0064] The embodiment of the present invention provides a multi-account transaction processing device, which is used to improve the efficiency and flexibility of multi-account transaction processing. Figure 6 FIG. 1 is a schematic diagram of a structure of a processing device for multi-account transactions in an embodiment of the present invention. Figure 6 As shown, the device comprises:

[0065] The transaction request receiving module 01 is used to receive a multi-account transaction request and determine the transaction channel and transaction type of the multi-account transaction request;

[0066] The limit parameter table query module 02 is used to query the transaction channel and transaction type of the multi-account transaction request from the limit parameter table of the account group when multiple accounts belong to a pre-established account group, wherein the limit parameter table of the account group stores the maximum payable limit values ​​of the day corresponding to multiple transaction channels and multiple transaction types;

[0067] The payment control module 03 compares the amount to be paid with the maximum payable limit value of the day when the query is made. When the amount to be paid is less than or equal to the maximum payable limit value of the day when the query is made, the payment is deducted according to the amount to be paid.

[0068] In one embodiment, the limit parameter table includes: a periodic limit parameter table and a daily limit parameter table;

[0069] The periodic limit parameter table stores the limit values, limit types, paid amounts, start dates and end dates of the limits corresponding to various transaction channels and various transaction types. The start date and end date of the limits are divided into multiple periods according to the limit types. The periodic limit parameter table also stores the start date and end date of the current period.

[0070] The daily limit parameter table stores the limit values, paid amounts and maximum payable limit values ​​for the day corresponding to various transaction channels and various transaction types, among which the maximum payable limit value for the day is determined based on the corresponding limit values ​​and paid amounts in the periodic limit parameter table.

[0071] Figure 7 FIG. 1 is a schematic diagram of another structure of a processing device for multi-account transactions in an embodiment of the present invention. Figure 7 As shown, in one embodiment, the device further includes: a day-end batch module 04, which is used to:

[0072] When the amount to be paid is less than or equal to the maximum payable limit of the day found, the amount to be paid is deducted and the deducted amount is recorded in the paid amount in the daily limit parameter table;

[0073] At the end of the day, the paid amount in the daily limit parameter table is added to the paid amount in the periodic limit parameter table based on multiple processes, and the paid amount in the daily limit parameter table is cleared.

[0074] In one embodiment, the end-of-day batch module 04 is also used to:

[0075] When the current date is equal to the end date of the current cycle, for the cycle limit parameter table, the paid amount is cleared, the start date of the current cycle is replaced by the start date of the next cycle, and the end date of the current cycle is replaced by the end date of the next cycle;

[0076] When the current date is less than the end date of the current cycle, the maximum payable limit value for the day in the daily limit parameter table is updated according to the limit value in the cycle limit parameter table and the amount paid, and the paid amount in the daily limit parameter table is cleared.

[0077] like Figure 7 As shown, in one embodiment, the device further includes: an account change notification module 05, which is used to:

[0078] When the amount to be paid is less than or equal to the maximum payable limit of the day, after deducting the amount to be paid, upon receiving the successful payment notification, the transaction status is updated to successful transaction;

[0079] When receiving the account change notification for reversal, the deducted amount will be returned and the transaction status will be updated to "reversed".

[0080] An embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned multi-account transaction processing method when executing the computer program.

[0081] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a processing method for executing the above-mentioned multi-account transaction.

[0082] In summary, the embodiment of the present invention comprises: receiving a multi-account transaction request, determining a transaction channel and a transaction type of the multi-account transaction request; when multiple accounts belong to a pre-established account group, querying the maximum payable limit value of the day corresponding to the transaction channel and the transaction type of the multi-account transaction request from the limit parameter table of the account group, wherein the limit parameter table of the account group stores the maximum payable limit values ​​of the day corresponding to multiple transaction channels and multiple transaction types; when the query is obtained, comparing the amount to be paid with the queried maximum payable limit value of the day, and when the amount to be paid is less than or equal to the queried maximum payable limit value of the day, deducting money according to the amount to be paid, and then by forming an account group with multiple accounts, setting a limit for the account group, and processing transactions according to the limit of the account group, the efficiency of multi-account payment is improved, and by storing the maximum payable limit values ​​of the day corresponding to multiple transaction channels and multiple transaction types in the limit parameter table of the account group, the limit setting requirements of the account group for different transaction channels and different transaction types can be met, thereby improving the flexibility of multi-account payment.

[0083] In addition, the embodiment of the present invention can achieve fine-grained, dynamic and precise control of account group limits by setting a periodic limit parameter table and a daily limit parameter table, and maintaining parameter tables of two different time scales. In addition, the use of multiple processes to concurrently execute end-of-day batches also improves system performance.

[0084] In the embodiment of the present invention, the design and configuration of the limit parameter table, transaction payment control, end-of-day batch processing, and account change notification process are designed as independent modules with strong decoupling. When there are new business needs, the above processes can be reused.

[0085] Although the present invention provides method operation steps as described in the embodiments or flowcharts, more or fewer operation steps may be included based on conventional or non-creative labor. The order of steps listed in the embodiments is only one way of executing the order of many steps and does not represent the only execution order. When the actual device or client product is executed, it can be executed in sequence or in parallel according to the method shown in the embodiments or the drawings (for example, in a parallel processor or multi-threaded processing environment).

[0086] It should be understood by those skilled in the art that the embodiments of this specification may be provided as methods, devices (systems) or computer program products. Therefore, the embodiments of this specification may take the form of complete hardware embodiments, complete software embodiments or embodiments combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0087] The present invention is described with reference to flowcharts and / or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as a combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0088] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0089] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0090] Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. In this article, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that there is any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such a process, method, article or device. The orientation or position relationship indicated by the terms "upper", "lower", etc. is based on the orientation or position relationship shown in the drawings, which is only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as a limitation of the present invention. Unless otherwise expressly specified and limited, the terms "installed", "connected" and "connected" should be understood in a broad sense. For example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection, or it can be indirectly connected through an intermediate medium, or it can be a connection between the two components. For those of ordinary skill in the art, the specific meanings of the above terms in the present invention can be understood according to the specific circumstances. It should be noted that the embodiments of the present invention and the features in the embodiments can be combined with each other in the absence of conflict. The present invention is not limited to any single aspect, nor to any single embodiment, nor to any combination and / or permutation of these aspects and / or embodiments. Moreover, each aspect and / or embodiment of the present invention can be used alone or in combination with one or more other aspects and / or embodiments thereof.

[0091] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein by equivalents. These modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present invention, and they should all be included in the scope of the claims and specification of the present invention.

Claims

1. A method for processing multi-account transactions, characterized in that: include: Receive a multi-account transaction request initiated during account payment, and determine the transaction channel and transaction type of the multi-account transaction request; When multiple accounts belong to a pre-established account group, query the daily maximum payable limit value corresponding to the transaction channel and transaction type of the multi-account transaction request from the limit parameter table of the account group, wherein the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types are stored in the limit parameter table of the account group; When the amount to be paid is found, the amount to be paid is compared with the maximum payable limit value of the day found. When the amount to be paid is less than or equal to the maximum payable limit value of the day found, the account initiating the account payment is deducted according to the amount to be paid; wherein the maximum payable limit value of the day found is the maximum payable limit value of the day for the account group corresponding to the transaction channel and transaction type of the multi-account transaction request; The transaction channel refers to the transaction scenario, which includes but is not limited to counter and online banking; The transaction type is a transaction method, which includes but is not limited to cash withdrawal and transfer.

2. The method according to claim 1, characterized in that The limit parameter table includes: a periodic limit parameter table and a daily limit parameter table; The periodic limit parameter table stores the limit values, limit types, paid amounts, start dates and end dates of the limits corresponding to various transaction channels and various transaction types. The start date and end date of the limits are divided into multiple periods according to the limit types. The periodic limit parameter table also stores the start date and end date of the current period. The daily limit parameter table stores the limit values, paid amounts and maximum payable limit values ​​for the day corresponding to various transaction channels and various transaction types, among which the maximum payable limit value for the day is determined based on the corresponding limit values ​​and paid amounts in the periodic limit parameter table.

3. The method according to claim 2, characterized in that When the amount to be paid is less than or equal to the maximum payable limit of the day, after deduction according to the amount to be paid, it also includes: Record the deduction amount to the paid amount in the daily limit parameter table; At the end of the day, the paid amount in the daily limit parameter table is added to the paid amount in the periodic limit parameter table based on multiple processes, and the paid amount in the daily limit parameter table is cleared.

4. The method according to claim 3, characterized in that At the end of the day, this also includes: When the current date is equal to the end date of the current cycle, for the cycle limit parameter table, the paid amount is cleared, the start date of the current cycle is replaced by the start date of the next cycle, and the end date of the current cycle is replaced by the end date of the next cycle; When the current date is less than the end date of the current cycle, the maximum payable limit value for the day in the daily limit parameter table is updated according to the limit value in the cycle limit parameter table and the amount paid, and the paid amount in the daily limit parameter table is cleared.

5. The method according to claim 1, characterized in that When the amount to be paid is less than or equal to the maximum payable limit of the day, after deduction according to the amount to be paid, it also includes: When receiving the payment successful account activation notification, update the transaction status to successful transaction; When receiving the account change notification for reversal, the deducted amount will be returned and the transaction status will be updated to "reversed".

6. A multi-account transaction processing device, characterized in that: include: A transaction request receiving module, used to receive a multi-account transaction request initiated during account payment, and determine the transaction channel and transaction type of the multi-account transaction request; A limit parameter table query module, for querying the daily maximum payable limit value corresponding to the transaction channel and transaction type of the multi-account transaction request from the limit parameter table of the account group when multiple accounts belong to a pre-established account group, wherein the limit parameter table of the account group stores the daily maximum payable limit values ​​corresponding to multiple transaction channels and multiple transaction types; The payment control module compares the amount to be paid with the maximum payable limit value of the day when the query is obtained, and when the amount to be paid is less than or equal to the maximum payable limit value of the day when the query is obtained, deducts money from the account that initiates the account payment according to the amount to be paid; wherein the maximum payable limit value of the day when the query is obtained is the maximum payable limit value of the day for the account group corresponding to the transaction channel and transaction type of the multi-account transaction request; The transaction channel refers to the transaction scenario, which includes but is not limited to counter and online banking; The transaction type is a transaction method, which includes but is not limited to cash withdrawal and transfer.

7. The device according to claim 6, characterized in that The limit parameter table includes: a periodic limit parameter table and a daily limit parameter table; The periodic limit parameter table stores the limit values, limit types, paid amounts, start dates and end dates of the limits corresponding to various transaction channels and various transaction types. The start date and end date of the limits are divided into multiple periods according to the limit types. The periodic limit parameter table also stores the start date and end date of the current period. The daily limit parameter table stores the limit values, paid amounts and maximum payable limit values ​​for the day corresponding to various transaction channels and various transaction types, among which the maximum payable limit value for the day is determined based on the corresponding limit values ​​and paid amounts in the periodic limit parameter table.

8. The device according to claim 7, characterized in that Also includes: End of Day Batch module for: When the amount to be paid is less than or equal to the maximum payable limit of the day found, the amount to be paid is deducted and the deducted amount is recorded in the paid amount in the daily limit parameter table; At the end of the day, the paid amount in the daily limit parameter table is added to the paid amount in the periodic limit parameter table based on multiple processes, and the paid amount in the daily limit parameter table is cleared.

9. The device according to claim 8, characterized in that The end-of-day batch module is also used for: When the current date is equal to the end date of the current cycle, for the cycle limit parameter table, the paid amount is cleared, the start date of the current cycle is replaced by the start date of the next cycle, and the end date of the current cycle is replaced by the end date of the next cycle; When the current date is less than the end date of the current cycle, the maximum payable limit value for the day in the daily limit parameter table is updated according to the limit value in the cycle limit parameter table and the amount paid, and the paid amount in the daily limit parameter table is cleared.

10. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 5 is implemented.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 5.

Images