Account quota processing method and device

Abstract

The invention discloses a multi-level account processing method and device, and the method comprises the steps: carrying out the judgment of the bearing capability of a sub-account before the quota deduction operation, carrying out the deduction attempt of the sub-account only after determining that the sub-account has a certain deduction bearing capability, effectively avoiding the invalid deduction operation of the sub-account, and improving the deduction efficiency of the sub-account. Therefore, the processing efficiency of the multi-level accounts is improved. Especially for large-amount deduction operation, two attempts on subaccount deduction and main account deduction caused by insufficient balance of the subaccounts are avoided, and the processing efficiency of multi-level accounts is greatly improved. Furthermore, when the amount balance is carried out, the sub-account allocation threshold value is set by analyzing the historical data of the sub-accounts of the multi-level accounts, so that the amount adjustment is not needed for the amount deduction service capable of supporting the next allocation period, the unnecessary allocation operation is reduced, and the efficiency is improved. And the processing efficiency is improved.

Description

Technical Field

[0001] The present application relates to but is not limited to information processing technology, and in particular to an account limit processing method and device. Background Art

[0002] The discrete account model is a common solution for supporting hot accounts in financial systems. An account entity is divided into multiple layers and multiple discrete accounts. Figure 1 is a schematic diagram of a discrete account model in related technologies, such as Figure 1 As shown, an account entity is discretely divided into a main account (first-level account) and multiple sub-accounts (second-level accounts), and the account balance is dispersed across multiple accounts. Such an account model is also called a multi-level account.

[0003] When a business initiates an account credit deduction / increase for an account subject, the system disperses the operation to various discrete accounts according to certain strategies to achieve the effect of sharing the pressure of concurrent requests. In the related art, the credit operation request of the business will be assigned to a sub-account according to certain strategies, and the pressure of concurrent requests will be shared through the sub-account. For credit operation requests for credit deduction, the deduction will be attempted from the sub-account first. If the credit of the sub-account is insufficient, the deduction will be attempted from the main account; for credit operation requests for credit increase, the credit will be increased to a sub-account. The processing method for credit operation requests in the related art, especially for large-amount deduction operations, will result in low processing efficiency because each deduction operation requires two attempts, one from the sub-account and the other from the main account. Summary of the invention

[0004] The present application provides an account limit processing method and device, which can improve processing efficiency.

[0005] An embodiment of the present invention provides an account limit processing method, wherein the account of the business object is a multi-level account, and the multi-level account includes a main account and a sub-account, and the method includes:

[0006] Receiving a request for deducting a credit limit from an account of the business object;

[0007] Determining whether the amount to be deducted indicated by the request satisfies the deduction conditions of the primary account;

[0008] If the deduction conditions of the master account are not met, the amount of the sub-account in the multi-level account will be deducted. If the deduction fails, the amount of the master account in the multi-level account will be deducted.

[0009] If the deduction conditions of the master account are met, the amount of the master account in the multi-level account will be directly deducted.

[0010] In an exemplary embodiment, it also includes:

[0011] When a credit balance period arrives, for each sub-account in the multi-level account, one or more sub-account credit offsets are calculated based on the historical data of the sub-account and the sub-account base credit, wherein the historical data includes: the remaining credit of the sub-account at the end of a preset number of credit balance periods before the current credit balance period;

[0012] According to the calculated maximum sub-account quota offset, obtain the sub-account transfer threshold of the sub-account in the current quota balance cycle;

[0013] Determine whether to adjust the current limit of the sub-account based on the sub-account base limit of the sub-account and the obtained sub-account transfer threshold.

[0014] In an exemplary embodiment, the step of obtaining the sub-account transfer threshold of the sub-account in the current credit limit balancing period according to the maximum sub-account credit limit offset includes:

[0015] The product of the maximum sub-account balance offset and a preset transfer coefficient is calculated, and the obtained product value is the sub-account transfer threshold.

[0016] In an exemplary embodiment, the value of the transfer coefficient is a value greater than or equal to 1, and the calculated sub-account transfer threshold is less than the sub-account base amount.

[0017] In an exemplary embodiment, determining whether to adjust the current balance of the sub-account includes:

[0018] If the sub-account balance of the sub-account is equal to the sub-account base balance, the balance of the sub-account will not be adjusted during the current balance balance period.

[0019] If the sub-account balance of the sub-account is greater than the sub-account base balance, the balance exceeding the sub-account base balance will be transferred to the master account;

[0020] If the sub-account balance of the sub-account is less than the sub-account base balance, and the sub-account balance is greater than the sub-account transfer threshold, the balance of the sub-account will not be adjusted in the current balance period;

[0021] In the case where the sub-account balance of the sub-account is less than or equal to the sub-account transfer threshold, the balance is transferred from the main account to the sub-account so that the sub-account balance of the sub-account is restored to the sub-account base balance.

[0022] In an exemplary embodiment, the main account deduction condition is that the amount to be deducted is a large amount;

[0023] The determining whether the amount to be deducted indicated by the request satisfies the primary account deduction condition includes:

[0024] Determine whether the amount to be deducted is a large amount; if the amount to be deducted is a large amount, determine that the main account deduction condition is met; otherwise, determine that the main account deduction condition is not met;

[0025] The determination of whether the amount to be deducted is a large amount includes:

[0026] If the amount to be deducted exceeds the preset large amount threshold, the amount to be deducted is a large amount; if the amount to be deducted does not exceed the large amount threshold, the amount to be deducted is not a large amount;

[0027] or,

[0028] The ratio of the amount to be deducted to the base amount of the sub-account is calculated; when the calculated ratio is less than a preset first threshold, the amount to be deducted is not a large amount; when the calculated ratio is greater than the preset first threshold, the amount to be deducted is a large amount.

[0029] In an exemplary embodiment, the case of deducting the credit limit of the main account in the multi-level account further includes:

[0030] The deduction from the main account is successful, and the business request is returned as successful; if the main account has insufficient credit, try to collect funds from the sub-account in the multi-level account and then perform the credit deduction operation.

[0031] An embodiment of the present application also provides a computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions are used to execute any of the account limit processing methods described above.

[0032] An embodiment of the present application further provides a device for implementing account limit processing, including a memory and a processor, wherein the memory stores the following instructions that can be executed by the processor: used to execute the steps of the account limit processing method described in any of the above items.

[0033] The present application embodiment further provides an account limit processing device, comprising: a receiving module and a processing module; wherein:

[0034] A determination module, configured to receive a request for deducting a credit limit from an account of a business object; wherein the account of the business object is a multi-level account, and the multi-level account includes a main account and a sub-account;

[0035] A processing module is used to determine whether the amount to be deducted indicated by the request satisfies the main account deduction conditions; if the main account deduction conditions are not met, the amount of the sub-account in the multi-level account is deducted; if the deduction fails, the amount of the main account in the multi-level account is deducted; if the main account deduction conditions are met, the amount of the main account in the multi-level account is directly deducted.

[0036] Through the account limit processing method provided in the embodiment of the present application, before performing a limit deduction operation, the bearing capacity of the sub-account will be judged first, and only after determining that the sub-account has a certain deduction bearing capacity will the sub-account be attempted to be deducted, effectively avoiding invalid deduction operations on the sub-account, thereby improving the processing efficiency of multi-level accounts. In particular, for large-amount deduction operations, two attempts to deduct the sub-account and the main account due to insufficient sub-account balance are avoided, greatly improving the processing efficiency of multi-level accounts.

[0037] Furthermore, in an embodiment of the present application, the sub-account transfer threshold is set by analyzing the historical data of the sub-accounts of the multi-level account. For the case where the sub-account limit offset is small, since the sub-account limit of the sub-account is greater than the historical maximum account limit offset, the sub-account can support the limit deduction business of the next transfer cycle and does not need to adjust the limit. In this way, unnecessary transfer operations are reduced, thereby improving processing efficiency.

[0038] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or understood by practicing the present invention. The purpose and other advantages of the present invention can be realized and obtained by the structures particularly pointed out in the description, claims and drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings are used to provide further understanding of the technical solution of the present application and constitute a part of the specification. Together with the embodiments of the present application, they are used to explain the technical solution of the present application and do not constitute a limitation on the technical solution of the present application.

[0040] Figure 1 It is a schematic diagram of a discrete account model in the related art;

[0041] Figure 2 A flowchart of an account limit processing method in an embodiment of the present application;

[0042] Figure 3 This is a schematic diagram of selecting an account for deduction of credit in an embodiment of the present application;

[0043] Figure 4 A schematic diagram of a flow chart for achieving a balance of credit in an embodiment of the present application;

[0044] Figure 5 Schematic diagram of the composition structure of the account limit processing device in the embodiment of the present application. DETAILED DESCRIPTION

[0045] In order to make the purpose, technical solution and advantages of the present application more clear, the embodiments of the present application will be described in detail below with reference to the accompanying drawings. It should be noted that the embodiments and features in the embodiments of the present application can be combined with each other arbitrarily without conflict.

[0046] In a typical configuration of the present application, a computing device includes one or more processors (CPU), an input / output interface, a network interface, and a memory.

[0047] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0048] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. 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 technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include non-transitory media such as modulated data signals and carrier waves.

[0049] The steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions. Also, although a logical sequence is shown in the flowchart, in some cases, the steps shown or described can be performed in a sequence different from that shown here.

[0050] Figure 2 Schematic diagram of the process of the account limit processing method in the embodiment of the present application, such as Figure 2 As shown, including:

[0051] Step 200: receiving a request for deducting a credit limit from an account of a business object, wherein the account of the business object is a multi-level account including a main account and sub-accounts.

[0052] Step 201: Determine whether the amount to be deducted indicated by the request satisfies the main account deduction conditions.

[0053] When deducting the amount of a business object's account, it will be determined whether the deduction conditions of the main account are met based on the amount to be deducted, so that the account for deduction can be selected from the multi-level accounts.

[0054] In an exemplary embodiment, the main account deduction condition is that the amount to be deducted is a large amount, such as Figure 3 As shown, step 201 may include:

[0055] Determine whether the amount to be deducted is a large amount;

[0056] If the amount to be deducted is a large amount, it is determined that the conditions for deduction from the main account are met; otherwise, it is determined that the conditions for deduction from the main account are not met.

[0057] In an exemplary embodiment, determining whether the amount to be deducted is a large amount may include:

[0058] If the amount to be deducted exceeds the preset large amount threshold (for example, the amount to be deducted is greater than or equal to the large amount threshold), the amount to be deducted is determined to be a large amount, and it is determined that the deduction conditions of the main account are met;

[0059] If the amount to be deducted does not exceed the large amount threshold, it is determined that the amount to be deducted is not a large amount, and it is determined that the main account deduction conditions are not met.

[0060] In another exemplary embodiment, determining whether the amount to be deducted is a large amount may include:

[0061] Calculate the ratio of the amount to be deducted to the sub-account base amount;

[0062] When the ratio is less than the preset first threshold, the amount to be deducted is a small amount, and it is determined that the deduction condition of the main account is not met;

[0063] When the ratio is greater than the preset first threshold, the amount to be deducted is a large amount, and it is determined that the conditions for deduction from the main account are met.

[0064] Through the amount deduction method of step 201, the amount deduction operation of the discrete account is carried out, and the account selection is dynamically performed based on the amount to be deducted, such as Figure 3 As shown, in the case of a large amount to be deducted, directly choose to deduct the amount from the main account, which reduces unnecessary sub-account deduction attempts and effectively avoids the problem that the sub-account balance is too small after deduction from the sub-account and cannot meet subsequent high-frequency small deduction requests, thereby improving processing efficiency.

[0065] In an exemplary embodiment, the first threshold value can be 1 / 2 of the sub-account base limit, or other values, as long as it meets the actual needs, and is not used to limit the scope of protection of this application. Here, the total limit of the account subject = the main account limit + each sub-account limit. The sub-account base limit is the maximum limit value of the sub-account set by the system.

[0066] Step 2021 to Step 2022: If the conditions for deduction from the main account are not met, the credit limit of the sub-account in the multi-level account will be deducted. If the deduction fails, the credit limit of the main account in the multi-level account will be deducted. If the conditions for deduction from the main account are met, the credit limit of the main account in the multi-level account will be deducted directly.

[0067] In an exemplary instance, this step includes: determining that the conditions for deduction from the main account are not met, deducting the credit limit of the sub-account in the multi-level account, and returning a successful business request if the sub-account deduction is successful; the sub-account credit limit is insufficient, that is, the sub-account deduction fails, and the main account is selected for credit deduction; determining that the conditions for deduction from the main account are met, and deducting the credit limit of the main account in the multi-level account.

[0068] In an exemplary instance, it also includes: if the deduction from the main account is successful, the business request is returned as successful; if the main account balance is insufficient, it may also include: trying to collect funds from the sub-account and then performing the balance deduction operation. If the deduction is successful, the business request is returned as successful; if the deduction is still unsuccessful, that is, the main account balance is still insufficient, the business request is returned as failed.

[0069] Through the multi-level account processing method provided by the embodiment of the present application, before performing the deduction operation, the bearing capacity of the sub-account will be judged first, and the deduction attempt will be made to the sub-account only after it is determined that the sub-account has a certain deduction bearing capacity, which effectively avoids invalid deduction operations on the sub-account, thereby improving the processing efficiency of multi-level accounts. In particular, for large-amount deduction operations, two attempts to deduct the sub-account and the main account due to insufficient sub-account balance are avoided, greatly improving the processing efficiency of multi-level accounts.

[0070] As business transactions are executed, the quotas between sub-accounts in the discrete account model will become unbalanced, and the fund ratio between sub-accounts and main accounts will also change. In this case, the system needs to adjust the allocation of quotas between discrete accounts through scheduled fund transfer tasks, and transfer the quotas from sub-accounts with too high a proportion to sub-accounts with too low a proportion to meet business requirements and achieve quota balance. To solve this problem, you can simply balance the quotas of discrete accounts through scheduled quota transfer tasks. In the quota transfer task, if the sub-account quota is greater than the sub-account benchmark quota, then the quota exceeding the sub-account benchmark quota will be received from the main account. If the sub-account quota is less than the sub-account benchmark quota, then the quota will be issued from the main account to the sub-account. In this way, after a balance process, all sub-account limits are equal to the sub-account base limit (the balance process will ensure that the sub-account limit = the sub-account base limit as much as possible. In the case of insufficient total limit, the sub-account limit cannot reach the sub-account base limit value, so the total limit of the account entity is less than the product of the number of sub-accounts and the account base limit, except for the case). However, the inventors of the present application have found in actual application that if a sub-account has only a small amount of limit changes within a balance cycle, then there is no need to transfer funds, and it should be considered that the sub-account can still process transaction requests normally. In other words, the above simple balance process is unnecessary waste.

[0071] In an exemplary embodiment, the multi-level account processing method of the present application may further include:

[0072] When the credit balance period arrives, for each sub-account in the multi-level account, one or more sub-account credit offsets are calculated based on the historical data of the sub-account and the sub-account base credit, wherein the historical data includes: the remaining credit of the sub-account at the end of a preset number of credit balance periods before the current credit balance period;

[0073] According to the calculated maximum sub-account quota offset, obtain the sub-account transfer threshold of the sub-account in the current quota balance cycle;

[0074] Determine whether to adjust the current limit of the sub-account based on the sub-account base limit of the sub-account and the obtained sub-account transfer threshold.

[0075] The credit balance cycle is used to regularly transfer credits between discrete accounts at a preset frequency (also called a transfer cycle) to adjust the allocation of credits between discrete accounts so that the credits between sub-accounts in the discrete account model become balanced, thereby achieving credit balance.

[0076] In an exemplary embodiment, the sub-account balance offset includes: the difference between the remaining balance of the sub-account at the end of a preset number of balance periods before the current balance period and the sub-account base balance.

[0077] In an exemplary embodiment, obtaining the sub-account transfer threshold of the sub-account in the current credit limit balance period according to the maximum sub-account credit limit offset may include:

[0078] Calculate the product of the maximum sub-account balance offset and the preset transfer coefficient, and the obtained product value is the sub-account transfer threshold of the sub-account. The transfer coefficient is a value greater than or equal to 1, and the calculated sub-account transfer threshold is less than the sub-account base balance.

[0079] In the embodiment of the present application, the credit limit balancing processing (credit limit transfer) of multi-level accounts is based on historical data to determine the sub-account transfer threshold. That is to say, whether a sub-account needs to be credited within the credit limit balancing cycle is determined based on the historical data of the sub-account, rather than only based on the current credit limit of the sub-account. In this way, unnecessary balancing operations are avoided, thereby improving processing efficiency.

[0080] In an exemplary embodiment, Figure 4 As shown, for each sub-account, determining whether to transfer funds to the sub-account according to the sub-account base limit of the sub-account and the obtained sub-account transfer threshold may include:

[0081] Step 400: Determine whether the sub-account balance is equal to the sub-account base balance. If the sub-account balance is equal to the sub-account base balance, proceed to step 405; otherwise, proceed to step 401.

[0082] Step 401: Determine whether the sub-account balance is greater than the sub-account base balance. If the sub-account balance is greater than the sub-account base balance, proceed to step 403; otherwise, proceed to step 402.

[0083] Step 402: Determine whether the sub-account balance is greater than the sub-account transfer threshold. If the sub-account balance is greater than the sub-account transfer threshold, proceed to step 405; otherwise, proceed to step 404.

[0084] Step 403: The amount exceeding the sub-account's base amount is transferred to the main account, and this process ends.

[0085] Step 404: Transfer the credit limit (such as the difference between the sub-account base credit limit and the current sub-account credit limit) from the main account to the sub-account, so that the sub-account credit limit of the sub-account is restored to the sub-account base credit limit, and end this process.

[0086] Step 405: No transfer is required, that is, no transfer will be performed on the sub-account in the current quota balancing cycle.

[0087] In an embodiment of the present application, in the case where the subaccount limit of a subaccount is equal to the subaccount benchmark limit, the limit of the subaccount will not be adjusted in the current limit balancing cycle; in the case where the subaccount limit of a subaccount is greater than the subaccount benchmark limit, the limit exceeding the subaccount benchmark limit will be transferred to the main account; in the case where the subaccount limit of a subaccount is less than the subaccount benchmark limit, and the subaccount limit is greater than the subaccount transfer threshold, the limit of the subaccount will not be adjusted in the current limit balancing cycle; in the case where the subaccount limit of a subaccount is less than or equal to the subaccount transfer threshold, the limit (such as the limit difference between the subaccount benchmark limit and the current subaccount limit) is transferred from the main account to the subaccount, so that the subaccount limit of the subaccount is restored to the subaccount benchmark limit.

[0088] In the process of achieving credit balance, the embodiment of the present application sets the sub-account transfer threshold by analyzing the historical data of the sub-accounts of the multi-level account. In the case where the sub-account credit offset is small, since the sub-account credit of the sub-account is greater than the historical maximum account credit offset, the sub-account can support the credit deduction business of the next transfer cycle and does not need to adjust the credit. In this way, unnecessary transfer operations are reduced, thereby improving processing efficiency.

[0089] The present application also provides a computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions are used to execute any of the above-mentioned account limit processing methods.

[0090] The present application further provides a device for implementing account limit processing, including a memory and a processor, wherein the memory stores the following instructions that can be executed by the processor: used to execute the steps of any of the account limit processing methods described above.

[0091] Figure 5 Schematic diagram of the composition structure of the account limit processing device in the embodiment of the present application. Figure 5 As shown, it at least includes: a receiving module and a processing module; wherein,

[0092] A receiving module, configured to receive a request for deducting a credit limit from an account of a business object; wherein the account of the business object is a multi-level account, and the multi-level account includes a main account and a sub-account;

[0093] A processing module is used to determine whether the amount to be deducted indicated by the request satisfies the main account deduction conditions; if the main account deduction conditions are not met, the amount of the sub-account in the multi-level account is deducted; if the deduction fails, the amount of the main account in the multi-level account is deducted; if the main account deduction conditions are met, the amount of the main account in the multi-level account is directly deducted.

[0094] Through the account limit processing device provided in the embodiment of the present application, before performing a limit deduction operation, the bearing capacity of the sub-account will be judged first, and only after determining that the sub-account has a certain deduction bearing capacity will the sub-account be attempted to be deducted, effectively avoiding invalid deduction operations on the sub-account, thereby improving the processing efficiency of multi-level accounts. In particular, for large-amount deduction operations, two attempts to deduct the sub-account and the main account due to insufficient sub-account balance are avoided, greatly improving the processing efficiency of multi-level accounts.

[0095] In an exemplary embodiment, the processing module is further used to: when a credit balance period arrives, for each sub-account in the multi-level account:

[0096] Calculate one or more sub-account limit offsets based on historical data of the sub-account and the sub-account base limit, wherein the historical data includes: the remaining limit of the sub-account at the end of a preset number of limit balancing cycles before the current limit balancing cycle; obtain the sub-account transfer threshold of the sub-account in the current limit balancing cycle based on the calculated maximum sub-account limit offset; determine whether to adjust the current limit of the sub-account based on the sub-account base limit of the sub-account and the obtained sub-account transfer threshold.

[0097] In the embodiment of the present application, the credit limit balancing processing (credit limit transfer) of multi-level accounts is based on historical data to determine the sub-account transfer threshold. That is to say, whether a sub-account needs to be credited within the credit limit balancing cycle is determined based on the historical data of the sub-account, rather than only based on the current credit limit of the sub-account. In this way, unnecessary balancing operations are avoided, thereby improving processing efficiency.

[0098] In an exemplary embodiment, the deduction condition of the primary account is that the amount to be deducted is a large amount, and determining whether the amount to be deducted indicated by the request satisfies the deduction condition of the primary account includes:

[0099] Determine whether the amount to be deducted is a large amount; determine whether the conditions for deduction from the main account are met; otherwise, determine whether the conditions for deduction from the main account are not met.

[0100] In an exemplary embodiment, the determination module determines whether the amount to be deducted is a large amount, including:

[0101] If the amount to be deducted exceeds the preset large amount threshold, the amount to be deducted is a large amount; if the amount to be deducted does not exceed the large amount threshold, the amount to be deducted is not a large amount;

[0102] or,

[0103] Calculate the ratio of the amount to be deducted to the sub-account base amount; when the ratio is less than the preset first threshold, the amount to be deducted is a small amount, and select a sub-account for deduction; when the ratio is greater than the preset first threshold, the amount to be deducted is a large amount, and select the main account for deduction.

[0104] In an exemplary embodiment, the processing module obtains the sub-account transfer threshold of the sub-account in the current credit balance period according to the maximum sub-account credit offset, including:

[0105] Calculate the product of the maximum sub-account balance offset and the preset transfer coefficient, and the obtained product value is the sub-account transfer threshold of the sub-account. The transfer coefficient is a value greater than or equal to 1, and the calculated sub-account transfer threshold is less than the sub-account base balance.

[0106] In an exemplary embodiment, the processing module determines whether to transfer funds to the sub-account according to the sub-account base limit of the sub-account and the obtained sub-account transfer threshold, including:

[0107] For each sub-account, if the sub-account limit of the sub-account is equal to the sub-account benchmark limit, the limit of the sub-account will not be adjusted in the current limit balancing cycle; if the sub-account limit of the sub-account is greater than the sub-account benchmark limit, the limit exceeding the sub-account benchmark limit will be transferred to the main account; if the sub-account limit of the sub-account is less than the sub-account benchmark limit and the sub-account limit is greater than the sub-account transfer threshold, the limit of the sub-account will not be adjusted in the current limit balancing cycle; if the sub-account limit of the sub-account is less than or equal to the sub-account transfer threshold, the limit (such as the limit difference between the sub-account benchmark limit and the current sub-account limit) will be transferred from the main account to the sub-account, so that the sub-account limit of the sub-account is restored to the sub-account benchmark limit.

[0108] Although the embodiments disclosed in this application are as above, the contents described are only embodiments adopted to facilitate understanding of this application and are not intended to limit this application. Any technician in the field to which this application belongs can make any modifications and changes in the form and details of implementation without departing from the spirit and scope disclosed in this application, but the scope of patent protection of this application shall still be based on the scope defined in the attached claims.

Claims

1. A method for processing account limits, wherein: The account of the business object is a multi-level account, and the multi-level account includes a main account and a sub-account. The method includes: Receiving a request for deducting a credit limit from an account of the business object; Determining whether the amount to be deducted indicated by the request satisfies the deduction conditions of the primary account; If the deduction conditions of the master account are not met, the amount of the sub-account in the multi-level account will be deducted. If the deduction fails, the amount of the master account in the multi-level account will be deducted. If the deduction conditions of the master account are met, the amount of the master account in the multi-level account will be directly deducted.

2. The account limit processing method according to claim 1, further comprising: When a credit balance period arrives, for each sub-account in the multi-level account, one or more sub-account credit offsets are calculated based on the historical data of the sub-account and the sub-account base credit, wherein the historical data includes: the remaining credit of the sub-account at the end of a preset number of credit balance periods before the current credit balance period; According to the calculated maximum sub-account quota offset, obtain the sub-account transfer threshold of the sub-account in the current quota balance cycle; Determine whether to adjust the current limit of the sub-account based on the sub-account base limit of the sub-account and the obtained sub-account transfer threshold.

3. The account balance processing method according to claim 2, wherein: The step of obtaining the sub-account transfer threshold of the sub-account in the current quota balancing cycle according to the maximum sub-account quota offset includes: The product of the maximum sub-account limit offset and a preset transfer coefficient is calculated, and the obtained product value is the sub-account transfer threshold.

4. The account limit processing method according to claim 3, wherein: The value of the transfer coefficient is a value greater than or equal to 1, and the calculated sub-account transfer threshold is less than the sub-account base amount.

5. The account limit processing method according to claim 2, wherein: The determining whether to adjust the current limit of the sub-account includes: If the sub-account balance of the sub-account is equal to the sub-account base balance, the balance of the sub-account will not be adjusted during the current balance balance period. If the sub-account balance of the sub-account is greater than the sub-account base balance, the balance exceeding the sub-account base balance will be transferred to the master account; If the sub-account balance of the sub-account is less than the sub-account base balance, and the sub-account balance is greater than the sub-account transfer threshold, the balance of the sub-account will not be adjusted in the current balance period; In the case where the sub-account balance of the sub-account is less than or equal to the sub-account transfer threshold, the balance is transferred from the main account to the sub-account so that the sub-account balance of the sub-account is restored to the sub-account base balance.

6. The account limit processing method according to claim 1 or 2, wherein: The main account deduction condition is that the amount to be deducted is a large amount; The determining whether the amount to be deducted indicated by the request satisfies the primary account deduction condition includes: Determine whether the amount to be deducted is a large amount; if the amount to be deducted is a large amount, determine that the main account deduction condition is met; otherwise, determine that the main account deduction condition is not met; The determination of whether the amount to be deducted is a large amount includes: If the amount to be deducted exceeds the preset large amount threshold, the amount to be deducted is a large amount; if the amount to be deducted does not exceed the large amount threshold, the amount to be deducted is not a large amount; or, The ratio of the amount to be deducted to the base amount of the sub-account is calculated; when the calculated ratio is less than a preset first threshold, the amount to be deducted is not a large amount; when the calculated ratio is greater than the preset first threshold, the amount to be deducted is a large amount.

7. The account limit processing method according to claim 1 or 2, for the case where the limit of the main account in the multi-level account is deducted, further comprising: The deduction from the primary account is successful, and the business request is returned as successful; The main account has insufficient credit, so an attempt is made to collect funds from the sub-accounts in the multi-level account and then perform a credit deduction operation.

8. A computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions are used to execute the account limit processing method according to any one of claims 1 to 7.

9. A device for implementing account limit processing, comprising a memory and a processor, wherein: The memory stores the following instructions executable by the processor: used to execute the steps of the account limit processing method described in any one of claims 1 to 7.

10. An account limit processing device, comprising: Receiving module, processing module; wherein, A determination module, configured to receive a request for deducting a credit limit from an account of a business object; wherein the account of the business object is a multi-level account, and the multi-level account includes a main account and a sub-account; A processing module is used to determine whether the amount to be deducted indicated by the request satisfies the main account deduction conditions; if the main account deduction conditions are not met, the amount of the sub-account in the multi-level account is deducted; if the deduction fails, the amount of the main account in the multi-level account is deducted; if the main account deduction conditions are met, the amount of the main account in the multi-level account is directly deducted.

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