A gold withdrawal transaction method, device, electronic device, and storage medium

Abstract

The present application discloses a gold withdrawal transaction method, device, electronic device, and storage medium, which are executed by a transaction server. Among them, the method includes: receiving a gold withdrawal transaction request of a target account, where the gold withdrawal transaction request includes a gold withdrawal amount; if the gold withdrawal transaction request meets the conditions for a large-amount gold withdrawal transaction, then map an amount matching the gold withdrawal amount in the reserve fund as the large-amount gold withdrawal amount of the target account, and the large-amount gold withdrawal amount of the target account is independent of the account amount of the target account. In the case of decentralized account limits in a distributed account system, when processing large-amount gold withdrawal transactions, through the above gold withdrawal transaction method, the present application can not affect the limits in the existing accounts, ensure the normal and efficient processing of a large number of small-amount gold withdrawal transactions, and at the same time be able to meet the processing of a small number of large-amount gold withdrawal transactions.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular, to a method and device for cash withdrawal transactions, an electronic device, and a storage medium. Background Art

[0002] A distributed system is a system that distributes hardware or software services on different networked computers and communicates and coordinates with each other through message passing. In contrast, it is a centralized system.

[0003] In the field of financial technology, as transaction data increases day by day, a single account is difficult to meet the high-frequency transaction requirements. Therefore, based on the principle of the distributed system, a distributed account system has emerged, which uses multiple distributed sub-accounts established for a single account to achieve transactions. In the distributed account system, each sub-account has its own account limit, with the characteristics of dispersed account limits and non-single accounts. As a result, there is also a problem of how to deduct the account limit when the cash withdrawal amount of a single cash withdrawal transaction is greater than the account limit of any sub-account.

[0004] The existing solution is to process large cash withdrawal transactions by collecting all sub-account limits, summarizing them, and then deducting the account limit. However, the inventor found that the above solution is inefficient and will affect the processing efficiency of high-frequency small cash withdrawal transactions. Summary of the Invention

[0005] Embodiments of this application provide a method and device for cash withdrawal transactions, an electronic device, and a storage medium, so as to meet the processing of a small number of large cash withdrawal transactions without affecting the processing efficiency of a large number of small cash withdrawal transactions.

[0006] Embodiments of this application adopt the following technical solutions:

[0007] In a first aspect, embodiments of this application provide a method for cash withdrawal transactions, which is executed by a transaction server. The method includes:

[0008] Receiving a cash withdrawal transaction request for a target account, where the cash withdrawal transaction request includes a cash withdrawal amount;

[0009] If the cash withdrawal transaction request meets the conditions for a large cash withdrawal transaction, map an amount matching the cash withdrawal amount in the reserve fund as the large cash withdrawal amount limit for the target account, and the large cash withdrawal amount limit for the target account is independent of the account limit of the target account.

[0010] Optionally, the conditions for meeting a large cash withdrawal transaction include at least one of the following:

[0011] The transaction type included in the cash withdrawal transaction request is a large cash withdrawal transaction type;

[0012] The large-amount fund withdrawal transaction control switch is enabled;

[0013] The amount of fund withdrawal is greater than the large-amount fund withdrawal transaction amount threshold.

[0014] Optionally, the method further includes:

[0015] Generating a fund withdrawal serial number for the fund withdrawal transaction request according to the fund withdrawal routing model;

[0016] Recording the fund withdrawal flow of the fund withdrawal transaction request according to the fund withdrawal serial number.

[0017] Optionally, the mapping of the amount matching the fund withdrawal amount in the reserve fund includes:

[0018] Invoking the reserve fund mapping interface of the reserve fund system, requesting the amount matching the fund withdrawal amount and carrying the fund withdrawal serial number, so that the reserve fund system performs amount mapping, records the corresponding mapping flow, and associates the mapping flow and the fund withdrawal flow according to the fund withdrawal serial number.

[0019] Optionally, the recording of the fund withdrawal flow of the fund withdrawal transaction request according to the fund withdrawal serial number includes:

[0020] Recording the fund withdrawal flow in the fund withdrawal transaction table and recording the status of the corresponding fund withdrawal flow in the large-amount fund withdrawal transaction status table.

[0021] Optionally, the recording of the status of the corresponding fund withdrawal flow in the large-amount fund withdrawal transaction status table includes:

[0022] If the fund withdrawal transaction request does not meet the large-amount fund withdrawal transaction conditions, updating the status of the fund withdrawal flow to a failure status.

[0023] Optionally, the recording of the status of the corresponding fund withdrawal flow in the large-amount fund withdrawal transaction status table includes:

[0024] Updating the status of the corresponding fund withdrawal flow according to the reserve fund mapping result;

[0025] If the reserve fund mapping result is a successful mapping result, updating the status of the corresponding fund withdrawal flow to a successful status;

[0026] If the reserve fund mapping result is a failed mapping result, updating the status of the corresponding fund withdrawal flow to a failure status.

[0027] Optionally, the method further includes:

[0028] Receiving a reversal transaction request for the target account;

[0029] According to the reversal transaction request, query the large-amount withdrawal limit corresponding to the withdrawal amount in the corresponding withdrawal transaction request, and demap the large-amount withdrawal limit from the reserve funds to complete the reversal transaction.

[0030] Optionally, the method further includes:

[0031] If the demapping success result is not received within the predetermined time, trigger a demapping task to demap the large-amount withdrawal limit through the demapping task.

[0032] Optionally, if the status of the withdrawal transaction has been updated to a success status or a failure status, record the status of the withdrawal transaction as the final status. The method further includes:

[0033] Check whether the status of the withdrawal transaction is the final status;

[0034] If it is not the final status, call the query interface to periodically query the reserve fund mapping result.

[0035] In a second aspect, an embodiment of the present application further provides a withdrawal transaction method, which is executed by a reserve fund system server. The method includes:

[0036] Receive a quota mapping request of a target account sent by a transaction server. The quota mapping request includes a mapped amount;

[0037] Map out a quota matching the mapped amount in the reserve funds as the large-amount withdrawal limit of the target account. The large-amount withdrawal limit of the target account is independent of the account limit of the target account.

[0038] In a third aspect, an embodiment of the present application further provides a withdrawal transaction device, which is applied to a transaction server. The device is used to implement the method described in the first aspect above.

[0039] In a fourth aspect, an embodiment of the present application further provides a withdrawal transaction device, which is applied to a reserve fund system server. The device is used to implement the method described in the second aspect above.

[0040] In a fifth aspect, an embodiment of the present application further provides an electronic device, including:

[0041] A processor; and

[0042] A memory arranged to store computer-executable instructions, and the executable instructions cause the processor to execute any of the methods described above when executed.

[0043] In a sixth aspect, an embodiment of the present application further provides a computer-readable storage medium storing one or more programs, which, when executed by an electronic device including multiple application programs, cause the electronic device to execute any of the foregoing methods.

[0044] At least one of the above technical solutions adopted in the embodiments of the present application can achieve the following beneficial effects: The cash withdrawal transaction method in the embodiments of the present application can be executed by a separately deployed transaction server. When processing a cash withdrawal transaction, it can first receive a cash withdrawal transaction request from a target account, and the cash withdrawal amount will be carried in the cash withdrawal transaction request, which represents the amount of the transaction requested by the target account. For general small-scale cash withdrawal transactions, the existing cash withdrawal transaction logic can be directly followed. Therefore, in the embodiments of the present application, it can judge the cash withdrawal transaction request of the target account. If the cash withdrawal transaction request meets certain large-scale cash withdrawal transaction conditions, the cash withdrawal transaction logic in the embodiments of the present application can be followed for processing. The specific processing method can be to map an amount in the reserve fund that matches the cash withdrawal amount in the cash withdrawal transaction request as the large-scale cash withdrawal amount for the target account. If it is necessary to count the total amount of large-scale cash withdrawal transactions of the target account, only the mapped large-scale cash withdrawal amounts of this account need to be counted, and the operation of amount deduction does not need to be performed again. That is, the large-scale cash withdrawal amount in the embodiments of the present application is independent of the account amount of the target account. In the case of decentralized account amounts in the distributed account system, when processing large-scale cash withdrawal transactions, the above solutions in the embodiments of the present application can not affect the amounts in the existing accounts, ensure the normal and efficient processing of existing transactions, and can meet the processing of a small number of large-scale cash withdrawal transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] The drawings described herein are used to provide a further understanding of the present application, and constitute a part of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation of the present application. In the drawings:

[0046] Figure 1 is a logical schematic diagram of a cash withdrawal transaction and a reversal transaction in an embodiment of the present application;

[0047] Figure 2 is a flowchart of a cash withdrawal transaction method in an embodiment of the present application;

[0048] Figure 3 is a logical schematic diagram of a cash withdrawal transaction and a reversal transaction in another embodiment of the present application;

[0049] Figure 4 is an overall logical schematic diagram of a cash withdrawal transaction method in an embodiment of the present application;

[0050] Figure 5Flowchart of the fund withdrawal transaction method according to another embodiment of the present application;

[0051] Figure 6 Structural schematic diagram of the fund withdrawal transaction device according to an embodiment of the present application;

[0052] Figure 7 Structural schematic diagram of the fund withdrawal transaction device according to another embodiment of the present application;

[0053] Figure 8 Structural schematic diagram of an electronic device in an embodiment of the present application. Detailed implementation manners

[0054] To make the objectives, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be clearly and completely described below in conjunction with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all of the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments in the present application without creative efforts shall fall within the scope of protection of the present application.

[0055] The following will detail the technical solutions provided by each embodiment of the present application in conjunction with the drawings.

[0056] When the fund withdrawal transaction method of the present application is specifically applied, it involves the coordinated cooperation of four subsystems. As Figure 1 shown, these four subsystems include a transaction transfer system (Trans), a real-time transaction processing system (Worker), an accounting system (Account), and a user reserve fund and clearing margin management system (Cfms). The role of the Trans system is to receive the transaction requests initiated by users at the front end, record the transaction transfer flow, and forward the transaction requests to the Worker system. The role of the Worker system is to perform real-time transaction processing on the transaction requests sent by the Trans system and request quota mapping from the Account system according to the transaction requests. The fund withdrawal transaction method of the present application can be regarded as being executed by the transaction server in the Worker system. The role of the Account system is to record relevant mapping flow information, etc. according to the quota mapped by the request of the Worker system and call the quota mapping interface of the Cfms system. Finally, the role of the Cfms system is to determine whether to pass the mapping of this quota and return the result of whether the mapping is successful layer by layer to the Account system, the worker system, etc., so that each system can perform synchronous recording. The above-mentioned Account system and Cfms system can be collectively referred to as the reserve fund system, and its main function is to perform quota mapping according to the request of the Worker system. The quota mapped from the reserve fund system is independent of the quotas of each account.

[0057] In the prior art, the definition of "withdrawal" is: the process of transferring funds from a trading account to a bank account. The "withdrawal" in this application can be understood more broadly as deducting the funds of the target account, and it does not necessarily depend on the account limit of the target account.

[0058] It should be noted that Figure 1 The "reversal" process in is equivalent to the reverse process of the "withdrawal" process, and it also involves the coordinated cooperation of the above four subsystems. The reversal logic is basically the same as the above withdrawal logic, and will not be elaborated here.

[0059] As Figure 2 shown, an embodiment of this application provides a withdrawal transaction method, which is executed by a trading server. Among them, the method includes the following steps S210 to step S220:

[0060] Step S210, receive a withdrawal transaction request of a target account, and the withdrawal transaction request includes a withdrawal amount.

[0061] The target account here can be the main account in the distributed account system, that is, the target account can have multiple sub-accounts.

[0062] In specific implementation, a withdrawal transaction request of the target account sent by the transaction transfer system can be received first. In addition to carrying account information, the withdrawal transaction request will also carry a withdrawal amount, that is, it represents the amount of the transaction requested by the target account.

[0063] Step S220, if the withdrawal transaction request meets the large-amount withdrawal transaction condition, map an amount matching the withdrawal amount in the reserve fund as the large-amount withdrawal limit of the target account, and the large-amount withdrawal limit of the target account is independent of the account limit of the target account.

[0064] For general small-amount withdrawal transactions, they can be directly processed according to the existing withdrawal transaction logic. Therefore, in this embodiment of the application, the withdrawal transaction request of the target account can be judged. If the withdrawal transaction request meets certain large-amount withdrawal transaction conditions, it can be processed according to the withdrawal transaction logic of this embodiment of the application.

[0065] In the prior art, the account has an account limit, and the withdrawal transaction needs to deduct an amount matching the withdrawal amount from the current account limit. In this application, for the large-amount withdrawal transaction scenario, when the account limit of any sub-account of the target account is not enough to deduct the withdrawal amount, a sum of money matching the withdrawal amount in the withdrawal transaction request is directly mapped in the reserve fund system.

[0066] If it is necessary to count the total amount of large-amount cash-out transactions of the target account, it is only necessary to count the mapped large-amount cash-out quota of this account, and there is no need to perform the operation of quota deduction anymore. It can be seen from this that the large-amount cash-out quota in the embodiment of the present application is independent of the account quota of the target account.

[0067] It should be noted that the "mapping" in the embodiment of the present application can be understood as extracting an amount quota that matches the cash-out amount of the target account from the reserve fund system for real-time deduction, ensuring that the original account quota of the target account remains unchanged. The mapped large-amount cash-out quota should not be less than the cash-out amount in the cash-out transaction request. Usually, the mapped large-amount cash-out quota is equal to the cash-out amount.

[0068] For example, assume that the account quota of each sub-account of the target account does not exceed 1 million, and the cash-out amount in the received cash-out transaction request is 1.2 million. At this time, the account quota of any sub-account cannot meet the transaction requirements, that is, it is considered to meet the large-amount cash-out transaction conditions. At this time, a quota of 1.2 million can be mapped for the target account in the reserve fund system to be used for real-time deduction of the cash-out amount in this cash-out transaction request. This processing logic is equivalent to increasing the credit quota of the target account, ensuring that the original account quota of the target account remains unchanged, so as to meet the processing of a small number of large-amount cash-out transactions without affecting the processing of a large number of small-amount cash-out transactions.

[0069] For those of ordinary skill in the art, the reserve fund generally referred to in the prior art refers to the deposit reserve in the narrow sense, that is, the deposits of commercial banks and other financial institutions deposited in the central bank. The deposit reserves deposited by Chinese commercial banks and other financial institutions in the central bank according to the specified ratio can generally not be withdrawn or used except when the customer deposits decrease and can be refunded. In fact, they cannot act as payment reserves. However, in the embodiment of the present application, the corresponding quota can be mapped from the reserve fund according to the large-amount cash-out transaction request of the target account for real-time large-amount cash-out transaction processing, meeting the large-amount cash-out transaction requirements of the account, not affecting the processing of a large number of small-amount cash-out transactions that may occur subsequently, and at the same time ensuring financial security.

[0070] In an embodiment of the present application, the satisfaction of the large-amount cash-out transaction conditions includes at least one of the following: the transaction type included in the cash-out transaction request is a large-amount cash-out transaction type; the large-amount cash-out transaction control switch is turned on; the cash-out amount is greater than the large-amount cash-out transaction amount threshold.

[0071] Under normal circumstances, a transaction type is also carried in the fund withdrawal transaction request, and this transaction type can be determined by the transaction transfer system or the transaction initiator. When determining whether the fund withdrawal transaction request meets the large-amount fund withdrawal condition in the embodiments of this application, the following statement can be used to first determine whether the transaction type is a large-amount fund withdrawal transaction type: transType = 0120 && innerbiztype = N600.

[0072] Since the daily transaction volume generated by financial institutions is extremely large, in order to ensure the safe, stable and efficient conduct of large-amount fund withdrawal transactions, the large-amount fund withdrawal transaction control switch is opened or closed to appropriately adjust or control the large-amount fund withdrawal transactions, playing a role in current limiting. Therefore, after determining that the transaction type is a large-amount fund withdrawal transaction type in the embodiments of this application, it is also possible to further determine whether the large-amount fund withdrawal transaction control switch is open, so as to facilitate subsequent transaction processing.

[0073] Specifically, the status of the large-amount fund withdrawal transaction control switch is managed and maintained by a separate server. For example, when the large-amount fund withdrawal transaction control switch is in the open state, the identifier of the large-amount fund withdrawal transaction control switch can be set to "1", and when the large-amount fund withdrawal transaction control switch is in the closed state, the identifier of the large-amount fund withdrawal transaction control switch is set to "0". When determining whether the large-amount fund withdrawal transaction control switch is open in the embodiments of this application, an identifier acquisition instruction for the large-amount fund withdrawal transaction control switch can be sent to this server, and then the current state of the large-amount fund withdrawal transaction control switch can be determined.

[0074] Since different payment institutions may have different judgment scales for large-amount fund withdrawal transactions according to their own characteristics, the set large-amount fund withdrawal transaction amount thresholds are also different. Therefore, it is possible to further determine whether the fund withdrawal amount in the fund withdrawal transaction request reaches the large-amount fund withdrawal transaction amount threshold set by the corresponding payment institution. For example, the large-amount fund withdrawal transaction amount threshold set by payment institution A is 1 million, and the large-amount fund withdrawal transaction amount threshold set by payment institution B is 2 million. If the fund withdrawal amount in the fund withdrawal transaction request is 1.5 million, it meets the standard of the large-amount fund withdrawal transaction amount of payment institution A, but does not meet the standard of the large-amount fund withdrawal transaction amount of payment institution B.

[0075] It should be noted that the above three transaction verification processes can be verified in sequence according to the transaction type, whether the large-amount fund withdrawal transaction control switch is open, and whether the fund withdrawal amount is greater than the large-amount fund withdrawal transaction amount threshold. Of course, they can also be verified in other sequences. Specifically, how to conduct transaction verification can be flexibly set by those skilled in the art according to the actual situation, and no specific limitation is made here.

[0076] In one embodiment of the present application, the method further includes: generating a withdrawal transaction serial number for the withdrawal transaction request according to a withdrawal routing model; recording the withdrawal transaction of the withdrawal transaction request according to the withdrawal transaction serial number.

[0077] After receiving the withdrawal transaction request sent by the transaction transfer system in the embodiment of the present application, a withdrawal transaction serial number (flowId) corresponding to the withdrawal transaction request will be generated according to the existing withdrawal routing model. The withdrawal routing model is a model that determines an optimal payment channel based on various factors such as the withdrawal account and the withdrawal amount. Each time a withdrawal transaction request is received, a corresponding withdrawal transaction serial number will be generated. According to this withdrawal transaction serial number, the withdrawal transaction of the withdrawal transaction request can be recorded. The withdrawal transaction can be regarded as a record, including parameter information such as the withdrawal transaction serial number, the initiator, the payment institution number, the withdrawal amount, and the mapping channel.

[0078] Specifically, when generating the withdrawal transaction serial number by using the withdrawal routing model in the embodiment of the present application, the reference data information in the withdrawal transaction information, such as the withdrawal transaction serial number, the institution number, etc., can be obtained first, and then according to the reference data information and the weights of each account stored in the current distributed account system, the target account is determined by using the consistent hashing algorithm. According to the database identifier currently corresponding to the target account, the database number corresponding to the withdrawal transaction information is determined; the data table identifier corresponding to the withdrawal transaction information is determined according to the reference data information. After obtaining the database number and the data table identifier, the transaction serial number is updated, and the database number and the data table identifier are sequentially added after the transaction serial number to form the updated withdrawal transaction serial number.

[0079] In one embodiment of the present application, mapping the amount matching the withdrawal amount in the reserve fund includes: invoking the reserve fund mapping interface of the reserve fund system, requesting the amount matching the withdrawal amount and carrying the withdrawal transaction serial number, so that the reserve fund system performs amount mapping, records the corresponding mapping transaction, and associates the mapping transaction and the withdrawal transaction according to the withdrawal transaction serial number.

[0080] In the embodiment of the present application, when specifically performing quota mapping, it is achieved by calling the provision fund mapping interface. A mapping request is initiated by calling the provision fund mapping interface of the Account system to request a quota matching the withdrawal amount and carry the withdrawal transaction serial number, so that the Account system can record a mapping transaction based on this mapping request. Then, the provision fund mapping interface of the Cfms system is called, and finally, the Cfms system maps out a quota matching the withdrawal amount from the provision fund, that is, the large-amount withdrawal quota. In addition, for the convenience of subsequent management and query of transaction data, the Account system will also generate a corresponding mapping transaction based on the mapping request, and at the same time, according to the withdrawal transaction serial number carried in the mapping request, record the association relationship between this mapping transaction and the withdrawal transaction. Similarly, the Cfms system will also generate a corresponding mapping transaction according to the call of the Account system.

[0081] In an embodiment of the present application, recording the withdrawal transaction of the withdrawal transaction request according to the withdrawal transaction serial number includes: recording the withdrawal transaction in the withdrawal transaction table, and recording the status of the corresponding withdrawal transaction in the large-amount withdrawal transaction status table.

[0082] To ensure the efficiency of large-amount withdrawal transactions, in the embodiment of the present application, while recording the withdrawal transaction, the status of the withdrawal transaction is also recorded. The status of the withdrawal transaction can be understood as whether the withdrawal transaction corresponding to this withdrawal transaction has been completed, such as successful withdrawal or failed withdrawal, etc. For the convenience of management and monitoring, the withdrawal transaction and the status of the withdrawal transaction can be recorded in two tables respectively. For example, the withdrawal transaction is recorded in the withdrawal transaction table, and the status of the withdrawal transaction is recorded in the newly added large-amount withdrawal transaction status table.

[0083] Of course, in addition to the above recording methods, those skilled in the art can also flexibly set other methods according to the actual situation. For example, the withdrawal transaction and the status of the withdrawal transaction are recorded in one table at the same time, etc., which will not be listed one by one here.

[0084] In an embodiment of the present application, recording the status of the corresponding withdrawal transaction in the large-amount withdrawal transaction status table includes: if the withdrawal transaction request does not meet the large-amount withdrawal transaction conditions, updating the status of the withdrawal transaction to the failure status.

[0085] If the withdrawal transaction request does not meet the large-amount withdrawal transaction conditions, for example, the transaction type included in the withdrawal transaction request is not the large-amount withdrawal transaction type, or the large-amount withdrawal transaction control switch is not turned on, or the withdrawal amount in the withdrawal transaction request does not exceed the large-amount withdrawal transaction amount threshold, then the subsequent quota mapping steps cannot be carried out at this time. And since a corresponding withdrawal transaction will be generated as long as the withdrawal transaction request is received, the status of this withdrawal transaction can be directly updated to the failure status at this time, that is, the withdrawal fails due to the failure of transaction verification.

[0086] In one embodiment of the present application, recording the status of the corresponding withdrawal transaction in the large-amount withdrawal transaction status table includes: updating the status of the corresponding withdrawal transaction according to the reserve fund mapping result; if the reserve fund mapping result is a successful mapping result, updating the status of the corresponding withdrawal transaction to the successful status; if the reserve fund mapping result is a failed mapping result, updating the status of the corresponding withdrawal transaction to the failed status.

[0087] In the actual quota mapping process, the final Cfms system will layer by layer return the result of whether the mapping is successful to the Account system, the worker system, etc. If the mapping result returned by the Cfms system is a successful mapping result, it means that the withdrawal transaction of the target account has been successfully completed, and the status of the corresponding withdrawal transaction is updated to the successful status; if the mapping result returned by the Cfms system is a failed mapping result, it means that the withdrawal transaction of the target account fails, and the status of the corresponding withdrawal transaction is updated to the failed status.

[0088] In one embodiment of the present application, the method further includes: receiving a reversal transaction request for the target account; according to the reversal transaction request, querying the large-amount withdrawal quota corresponding to the withdrawal amount in the corresponding withdrawal transaction request, and unmapping the large-amount withdrawal quota in the reserve fund to complete the reversal transaction.

[0089] In the actual application scenario, the transaction may be closed due to some special circumstances. For example, the target account is frozen, and although the mapped quota has flowed out of the reserve fund, it cannot enter the target account. At this time, the quota reversal operation can be performed. Here, "reversal" can be understood as returning the mapped quota back to the reserve fund to avoid affecting the capital liquidity of the institution. It should be noted that the reversal transaction request is triggered only when the status of the withdrawal transaction is the successful status, that is, only when the withdrawal from the reserve fund is successful, there is a need to return the withdrawn quota to the reserve fund.

[0090] Specifically, when implementing, first receive the reversal transaction request of the target account. This reversal transaction request is a request for reversing the withdrawal amount in a certain withdrawal transaction request. Therefore, the unique identification information of the corresponding withdrawal transaction request, such as the withdrawal transaction number, etc., will be carried in this reversal transaction request. Query the withdrawal amount in the withdrawal transaction request through this withdrawal transaction number, that is, the mapped large-amount withdrawal quota, and then unmapping this large-amount withdrawal quota through the reserve fund system, that is, returning it to the reserve fund, thereby completing the reversal transaction process.

[0091] In an embodiment of the present application, the method further includes: if the successful demapping result is not received within a predetermined time, triggering a demapping task to demap the large-amount disbursement amount through the demapping task.

[0092] In some abnormal situations, there may be problems with the reversal failure. For example, the vault corresponding to the provision fund fails to connect, or the mapped amount is suspended. For some financial institutions, especially small institutions, if the reversal fails and the funds cannot be returned in time, it will lead to a deterioration of the institution's capital liquidity. Therefore, in order to ensure the capital liquidity of the institution, in the case of the above-mentioned reversal failure, an alarm message can be sent, and then it is manually confirmed whether to call the manual demapping task through the Account system. If so, manual demapping is performed by the operator. After the failure is repaired, the reversal amount is checked, the reversal transaction is supplemented, and it is reconciled with the corresponding mapped transaction and disbursement transaction to ensure the operation is correct.

[0093] In an embodiment of the present application, if the status of the disbursement transaction has been updated to a successful status or a failed status, the status of the disbursement transaction is recorded as the final state. The method further includes: checking whether the status of the disbursement transaction is the final state; if it is not the final state, calling a query interface to periodically query the provision fund mapping result.

[0094] The final state of the disbursement transaction in the embodiment of the present application can be understood as the state of obtaining the provision fund mapping result, including the result of successful disbursement and the result of failed disbursement. To ensure the efficient progress of the transaction, the status of the disbursement transaction can be periodically checked to see if it has reached the final state. If it has not reached the final state, the query interface can be called to query the provision fund mapping result, such as querying once every 10 seconds and continuously querying for three hours, etc., to obtain the transaction result in a timely manner.

[0095] Similarly, for the reversal (demapping) process, the status of the reversal transaction can also be periodically checked to see if it has reached the final state. If it has not reached the final state, the query interface can be called to query the provision fund demapping result.

[0096] In an embodiment of the present application, the disbursement transaction and the transaction transfer transaction can also be periodically verified, including verifying the existence of the transaction and the consistency of the transaction status, etc., to ensure the accuracy of the transaction data.

[0097] In an embodiment of the present application, when requesting quota mapping / demapping through the reserve fund mapping interface / demapping interface of the Cfms system by the Account system, the status of the mapping transaction record / demapping transaction record can also be compensated and queried at regular intervals, mainly for the scenario where the call of the reserve fund mapping interface of the Account system to the Cfms system times out. At this time, the status of the mapping transaction record / demapping transaction record can be modified through compensation, so that the mapping transaction record / demapping transaction record can reach the final state in a timely manner.

[0098] As described above, in order to ensure the efficiency of small-amount fund withdrawal transactions, the above embodiment ensures that the account quota of the target account remains unchanged by mapping a quota in the reserve fund, thereby meeting the requirement that the target account has the ability to handle a large number of subsequent possible small-amount fund withdrawal transactions. Since the account quota of the reserve fund will decrease according to the processing of large-amount fund withdrawal transaction requests, in another embodiment of the present application, in order to ensure that the quota in the reserve fund is sufficient, when the small-amount fund withdrawal volume of the target account is not too large or at a fixed or unfixed time node when the system transaction volume is relatively small, the account quota of the target account can be appropriately recalled into the reserve fund, thereby ensuring that the reserve fund system has sufficient funds to guarantee financial security and meet the regulatory requirements of the central bank for the reserve fund.

[0099] In an embodiment of the present application, when performing quota mapping, only the quota corresponding to the fund withdrawal amount can be locked in the reserve fund without actual deduction. When the system transaction is relatively idle and the account quota of the target account is sufficient, the quota will be deducted from each sub-account of the target account, and the lock on the corresponding quota in the reserve fund will be released.

[0100] As Figure 3 shown, the overall logic diagram of fund withdrawal and reversal in an embodiment of the present application is provided. First, the Transaction Transfer (Trans) system will receive a fund withdrawal transaction request / reversal transaction request, and then forward the fund withdrawal transaction request / reversal transaction request to the Real-time Transaction Processing (Worker) system. The Worker system processes the fund withdrawal transaction request / reversal transaction request sent by the Trans system, generates the corresponding fund withdrawal transaction record / reversal transaction record, and requests quota mapping / demapping from the Accounting System (Account) according to the fund withdrawal transaction request / reversal transaction request. The Account system records the relevant mapping transaction record / demapping transaction record according to the quota requested by the Worker system for mapping / demapping, and calls the quota mapping interface of the User Reserve Fund and Clearing Margin Management System (Cfms). Finally, the Cfms system determines whether to pass the mapping / demapping of this quota. If it passes, the mapped quota will be increased / released and the mapping transaction record / demapping transaction record will be recorded.

[0101] In the above process, the status of the fund withdrawal transaction flow and the reversal transaction flow in the Worker system, as well as the status of the fund withdrawal transaction flow and the transaction transfer flow, can be periodically verified to check whether they have all reached the final state. Additionally, the status of the mapping / demapping transaction flow in the Account system can be periodically compensated for querying. In the case of receiving a reversal failure notice sent by the Worker system, manual demapping can be performed by invoking a manual demapping task.

[0102] As Figure 4 shown, a schematic diagram of the overall logic of the fund withdrawal transaction method according to an embodiment of the present application is provided. First, the transaction transfer (Trans) system receives a fund withdrawal transaction request, and then forwards the fund withdrawal transaction request to the real-time transaction processing (Worker) system. The Worker system generates a fund withdrawal serial number and the corresponding fund withdrawal transaction flow based on the fund withdrawal transaction request sent by the Trans system, and performs a series of validations on the fund withdrawal transaction request, including validations of the transaction type, the large-amount fund withdrawal transaction control switch, and the fund withdrawal amount, etc. After the transaction validation passes, a request for quota mapping is sent to the accounting system (Account). The amount requested for mapping is the fund withdrawal amount, and it also carries parameter information such as the fund withdrawal serial number, institution number, and initiator. The Account system records the mapping transaction flow associated with the fund withdrawal transaction based on the mapping request from the Worker system, and then invokes the quota mapping interface of the user reserve fund and clearing margin management system (Cfms). Finally, the Cfms system determines whether to approve the mapping of this quota. If approved, the institution's mapped quota is increased, and the mapping transaction flow and mapping type of the Cfms system are recorded. At the same time, the mapping result is returned to the Account system through the mapping interface of the Cfms system. The Account system then returns the mapping result to the Worker system. The Worker system updates the status of the fund withdrawal transaction flow based on the mapping result, and finally assembles the interface return code and records the formatted log.

[0103] An embodiment of the present application also provides another fund withdrawal transaction method, which is executed by the reserve fund system server. Among them, the method includes the following steps S510 to step S520:

[0104] Step S510: Receive a quota mapping request for a target account sent by the transaction server. The quota mapping request includes the mapping amount.

[0105] Step S520: Map out an amount in the reserve fund that matches the mapping amount as the large-amount fund withdrawal quota of the target account. The large-amount fund withdrawal quota of the target account is independent of the account quota of the target account.

[0106] The cash withdrawal transaction method according to the embodiment of the present application can be executed by a server deployed on the side of the reserve fund system. The reserve fund system here can specifically include two parts, namely the Account system and the Cfms system. When conducting a cash withdrawal transaction, first, the reserve fund mapping interface set on the Account system receives a quota mapping request sent by the transaction server. The quota mapping request refers to a request for mapping out a quota in the reserve fund that matches the cash withdrawal amount. The quota mapping request also carries a cash withdrawal serial number, enabling the Account system to record a mapping transaction based on the quota mapping request. Then, through the reserve fund mapping interface on the Cfms system, a quota matching the cash withdrawal amount is mapped out from the reserve fund, that is, the large-amount cash withdrawal quota.

[0107] For the convenience of subsequent management and query of transaction data, in an embodiment of the present application, after receiving the quota mapping request, the above-mentioned Account system will also generate a corresponding mapping transaction based on the quota mapping request, and at the same time, according to the cash withdrawal serial number carried in the mapping request, record the association relationship between the mapping transaction and the cash withdrawal transaction. Similarly, the Cfms system will also generate a corresponding mapping transaction according to the call of the Account system.

[0108] As Figure 6 shown, the embodiment of the present application also provides a cash withdrawal transaction device 600, which is executed by the transaction server. Among them, the device 600 includes a cash withdrawal transaction request receiving unit 610 and a large-amount cash withdrawal transaction unit 620, where:

[0109] The cash withdrawal transaction request receiving unit 610 is used to receive a cash withdrawal transaction request of a target account, and the cash withdrawal transaction request includes a cash withdrawal amount;

[0110] The large-amount cash withdrawal transaction unit 620 is used to map a quota in the reserve fund that matches the cash withdrawal amount as the large-amount cash withdrawal quota of the target account if the cash withdrawal transaction request meets the large-amount cash withdrawal transaction condition, and the large-amount cash withdrawal quota of the target account is independent of the account quota of the target account.

[0111] In an embodiment of the present application, the condition for meeting the large-amount cash withdrawal transaction includes at least one of the following: the transaction type included in the cash withdrawal transaction request is a large-amount cash withdrawal transaction type; the large-amount cash withdrawal control switch is turned on; the cash withdrawal amount is greater than the large-amount cash withdrawal transaction amount threshold.

[0112] In an embodiment of the present application, the device further includes: a generating unit, configured to generate a cash withdrawal serial number of the cash withdrawal transaction request according to a cash withdrawal routing model; a recording unit, configured to record the cash withdrawal transaction of the cash withdrawal transaction request according to the cash withdrawal serial number.

[0113] In one embodiment of the present application, the large-amount fund withdrawal transaction unit 620 is specifically configured to: call the reserve fund mapping interface of the reserve fund system, request an amount matching the fund withdrawal amount and carry the fund withdrawal serial number, so that the reserve fund system performs amount mapping, records the corresponding mapping serial number, and associates the mapping serial number and the fund withdrawal serial number according to the fund withdrawal serial number.

[0114] In one embodiment of the present application, the recording unit is specifically configured to: record the fund withdrawal serial number in the fund withdrawal transaction table, and record the status of the corresponding fund withdrawal serial number in the large-amount fund withdrawal transaction status table.

[0115] In one embodiment of the present application, the recording unit is specifically configured to: if the fund withdrawal transaction request does not meet the large-amount fund withdrawal transaction conditions, update the status of the fund withdrawal serial number to a failure status.

[0116] In one embodiment of the present application, the recording unit is specifically configured to: update the status of the corresponding fund withdrawal serial number according to the reserve fund mapping result; if the reserve fund mapping result is a successful mapping result, update the status of the corresponding fund withdrawal serial number to a successful status; if the reserve fund mapping result is a failed mapping result, update the status of the corresponding fund withdrawal serial number to a failure status.

[0117] In one embodiment of the present application, the device further includes: a reversal transaction request receiving unit, configured to receive a reversal transaction request for the target account; an amount reversal unit, configured to query the large-amount fund withdrawal amount corresponding to the fund withdrawal amount in the corresponding fund withdrawal transaction request according to the reversal transaction request, and perform demapping on the large-amount fund withdrawal amount in the reserve fund to complete the reversal transaction.

[0118] In one embodiment of the present application, the device further includes: a demapping task triggering unit, configured to trigger a demapping task if a successful demapping result is not received within a predetermined time, so as to perform demapping on the large-amount fund withdrawal amount through the demapping task.

[0119] In one embodiment of the present application, if the status of the fund withdrawal serial number has been updated to a successful status or a failure status, the status of the fund withdrawal serial number is recorded as a final state, and the device further includes: an inspection unit, configured to inspect whether the status of the fund withdrawal serial number is a final state; a query interface calling unit, configured to call a query interface to periodically query the reserve fund mapping result if it is not a final state.

[0120] It can be understood that the above-mentioned fund withdrawal transaction device can implement each step of the transaction reconciliation method executed by the transaction server in the foregoing embodiments. The relevant explanations regarding the transaction reconciliation method are applicable to the fund withdrawal transaction device and will not be elaborated here.

[0121] Another gold withdrawal transaction device 700 is provided in an embodiment of the present application and is applied to a reserve fund system server. As shown in the figure, the device 700 includes: a quota mapping request receiving unit 710 and a quota mapping unit 720, where:

[0122] The quota mapping request receiving unit 710 is configured to receive a quota mapping request of a target account sent by a transaction server, and the quota mapping request includes a mapping amount.

[0123] The quota mapping unit 720 is configured to map a quota matching the mapping amount in the reserve fund as the large-amount withdrawal quota of the target account, and the large-amount withdrawal quota of the target account is independent of the account quota of the target account.

[0124] Figure 8 It is a schematic structural diagram of an electronic device according to an embodiment of the present application. Please refer to Figure 8 , at the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. Among them, the memory may include a memory, such as a high-speed random access memory (Random-Access Memory, RAM), and may also include a non-volatile memory, such as at least one disk memory, etc. Of course, the electronic device may also include other hardware required for other services.

[0125] The processor, network interface, and memory can be interconnected through an internal bus, and the internal bus can be an ISA (Industry Standard Architecture, industrial standard architecture) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or an EISA (Extended Industry Standard Architecture, extended industrial standard structure) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For the sake of representation, Figure 8 only a bidirectional arrow is used in the figure, but it does not mean that there is only one bus or one type of bus.

[0126] The memory is used to store programs. Specifically, the program may include program code, and the program code includes computer operation instructions. The memory may include a memory and a non-volatile memory, and provide instructions and data to the processor.

[0127] The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, and forms a gold withdrawal transaction device at the logical level. The processor executes the program stored in the memory and is specifically configured to perform the following operations:

[0128] Receive a fund withdrawal transaction request of a target account, where the fund withdrawal transaction request includes a fund withdrawal amount;

[0129] If the fund withdrawal transaction request meets the conditions for a large - amount fund withdrawal transaction, map an amount matching the fund withdrawal amount in the reserve funds as the large - amount fund withdrawal quota of the target account, and the large - amount fund withdrawal quota of the target account is independent of the account quota of the target account. Or, it is used to execute:

[0130] Receive a quota mapping request of a target account sent by a transaction server, where the quota mapping request includes a mapping amount;

[0131] Map an amount matching the mapping amount in the reserve funds as the large - amount fund withdrawal quota of the target account, and the large - amount fund withdrawal quota of the target account is independent of the account quota of the target account.

[0132] The above - mentioned method executed by the fund withdrawal transaction device disclosed in the embodiments of the present application Figure 6 or Figure 7 can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above - mentioned method can be completed by the integrated logic circuit in the hardware of the processor or by instructions in software form. The above - mentioned processor may be a general - purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it may also be a digital signal processor (DSP), an application - specific integrated circuit (ASIC), a field - programmable gate array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. It can implement or execute the various methods, steps, and logic block diagrams disclosed in the embodiments of the present application. The general - purpose processor may be a microprocessor or the processor may also be any conventional processor, etc. The steps of the method disclosed in combination with the embodiments of the present application can be directly implemented by the hardware decoding processor to complete, or completed by the combination of hardware and software modules in the decoding processor. The software module may be located in a mature storage medium in the art such as a random access memory, flash memory, read - only memory, programmable read - only memory, or electrically erasable programmable memory, register, etc. This storage medium is located in the memory, and the processor reads the information in the memory and combines its hardware to complete the steps of the above - mentioned method.

[0133] This electronic device can also execute Figure 6 orFigure 7 The method executed by the cash withdrawal transaction device, and the cash withdrawal transaction device realizes the functions in Figure 6 or Figure 7 the embodiments shown, which will not be elaborated herein in the embodiments of the present application.

[0134] The embodiments of the present application also propose a computer-readable storage medium. The computer-readable storage medium stores one or more programs. The one or more programs include instructions. When the instructions are executed by an electronic device including multiple application programs, the electronic device can be enabled to execute Figure 6 or Figure 7 the method executed by the cash withdrawal transaction device in the embodiments shown, and specifically used to execute:

[0135] Receive a cash withdrawal transaction request of a target account, where the cash withdrawal transaction request includes a cash withdrawal amount;

[0136] If the cash withdrawal transaction request meets the conditions for a large-amount cash withdrawal transaction, map an amount matching the cash withdrawal amount in the reserve fund as the large-amount cash withdrawal amount of the target account. The large-amount cash withdrawal amount of the target account is independent of the account amount of the target account. Or, used to execute:

[0137] Receive a quota mapping request of a target account sent by a transaction server, where the quota mapping request includes a mapping amount;

[0138] Map an amount matching the mapping amount in the reserve fund as the large-amount cash withdrawal amount of the target account. The large-amount cash withdrawal amount of the target account is independent of the account amount of the target account.

[0139] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can adopt 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 code.

[0140] The present invention is described with reference to the flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram can be implemented by computer program instructions, and the combination of the processes and / or blocks in the flowchart and / or block diagram can also be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general computer, a special computer, an embedded processor, or other programmable data processing devices to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate for implementing the process in Figure 1one or more processes and / or blocks Figure 1 means for the functions specified in one or more blocks.

[0141] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction means that implements the functions in the process Figure 1 one or more processes and / or blocks Figure 1 specified in one or more blocks.

[0142] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus, such that a series of operational steps are performed on the computer or other programmable apparatus to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions in the process Figure 1 one or more processes and / or blocks Figure 1 specified in one or more blocks.

[0143] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0144] Memory may include non-permanent memory in computer-readable media, random access memory (RAM) and / or non-volatile memory such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

[0145] Computer-readable media includes both permanent and non-permanent, removable and non-removable media implemented by any method or technology for storing information. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media such as modulated data signals and carrier waves.

[0146] It should also be noted that the term "comprising", "including" or any other variation thereof is intended to cover non-exclusive inclusion, so that a process, method, commodity or device comprising a series of elements not only includes those elements, but also includes other elements not expressly listed, or elements inherent to such process, method, commodity or device. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, commodity or device comprising said element.

[0147] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system or a computer program product. Therefore, the present application can take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware aspects. Moreover, the present application can 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 code.

[0148] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, various changes and modifications can be made to the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included within the scope of the claims of the present application.

Claims

1. A withdrawal transaction method, executed by a transaction server, wherein: The method comprises: receiving a withdrawal transaction request from a target account, wherein the withdrawal transaction request includes a withdrawal amount; If the withdrawal transaction request meets the large-amount withdrawal transaction conditions, an amount matching the withdrawal amount will be mapped to the reserve fund as the target account's large-amount withdrawal limit. The target account's large-amount withdrawal limit is independent of the target account's account balance. The mapping refers to extracting an amount from the reserve fund system that matches the withdrawal amount of the target account for real-time deduction, while the original account balance of the target account remains unchanged; The target account is a master account in a distributed account system, and the target account has multiple sub-accounts. The large withdrawal limit is independent of the account limits of each sub-account of the target account; The method further comprises: Generate a withdrawal serial number for the withdrawal transaction request based on the withdrawal routing model; Record the withdrawal transaction request according to the withdrawal transaction number; The amount mapped in the reserve fund to match the withdrawal amount includes: Call the reserve fund mapping interface of the reserve fund system, request the amount that matches the withdrawal amount and carry the withdrawal serial number, so that the reserve fund system can perform amount mapping, record the corresponding mapping serial number, and associate the mapping serial number with the withdrawal serial number.

2. The method according to claim 1, wherein: The large-amount withdrawal transaction conditions include at least one of the following: The transaction type included in the withdrawal transaction request is a large-amount withdrawal transaction type; The large-amount withdrawal transaction control switch has been turned on; The withdrawal amount exceeds the large withdrawal transaction amount threshold.

3. The method according to claim 1, wherein: The withdrawal transaction request recorded according to the withdrawal transaction number includes: Record the withdrawal transaction flow in the withdrawal transaction table, and record the status of the corresponding withdrawal flow in the large withdrawal transaction status table.

4. The method according to claim 3, wherein: The status of recording the corresponding withdrawal flow in the large withdrawal transaction status table includes: If the withdrawal transaction request does not meet the large-amount withdrawal transaction conditions, the withdrawal transaction status is updated to a failed status.

5. The method according to claim 3, wherein: The status of recording the corresponding withdrawal flow in the large withdrawal transaction status table includes: Update the status of the corresponding withdrawal flow according to the reserve fund mapping results; If the reserve fund mapping result is a successful mapping result, the status of the corresponding withdrawal flow is updated to a successful status; If the reserve fund mapping result is a mapping failure result, the status of the corresponding withdrawal flow is updated to a failure status.

6. The method of claim 1, wherein: The method further comprises: receiving a transaction reversal request from the target account; According to the reversal transaction request, the large withdrawal amount corresponding to the withdrawal amount in the corresponding withdrawal transaction request is queried, and the large withdrawal amount is demapped in the reserve fund to complete the reversal transaction.

7. The method of claim 6, wherein: The method further comprises: If the demapping success result is not received within the predetermined time, a demapping task is triggered to achieve demapping of the large withdrawal amount through the demapping task.

8. The method of claim 3, wherein: If the status of the withdrawal flow has been updated to a success state or a failure state, the status of the withdrawal flow is recorded as a final state, and the method further includes: Check whether the status of the withdrawal flow is final; If it is not a final state, call the query interface to perform a scheduled query on the reserve fund mapping result.

9. A withdrawal transaction method, executed by a reserve fund system server, wherein: The method comprises: receiving a quota mapping request for a target account sent by a transaction server, wherein the quota mapping request includes a mapping amount; Mapping an amount matching the mapped amount in the reserve fund as the large withdrawal amount of the target account. The large withdrawal amount of the target account is independent of the account limit of the target account. The mapping refers to extracting an amount from the reserve fund system that matches the withdrawal amount of the target account for real-time deduction, while the original account balance of the target account remains unchanged; The target account is a master account in a distributed account system, and the target account has multiple sub-accounts. The large withdrawal limit is independent of the account limits of each sub-account of the target account; The amount mapped in the reserve fund that matches the mapped amount includes: receiving a call request from the transaction server for a reserve fund mapping interface, the call request being used to request an amount matching the mapped amount and carrying a withdrawal serial number; Performing quota mapping according to the call request, recording corresponding mapping flow, and associating the mapping flow with the withdrawal flow according to the withdrawal flow number; The withdrawal serial number is generated by the transaction server according to the withdrawal routing model, and the withdrawal flow is obtained based on the withdrawal serial number record.

10. A cash withdrawal transaction device, applied to a transaction server, wherein: The device is used to implement the method according to any one of claims 1 to 8.

11. A cash withdrawal transaction device, applied to a reserve fund system server, wherein: The device is used to implement the method described in claim 9.

12. An electronic device comprising: processor; as well as A memory arranged to store computer executable instructions, which when executed cause the processor to perform the method of any one of claims 1 to 9.

13. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device including a plurality of application programs, causes the electronic device to execute the method according to any one of claims 1 to 9.

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