Request response method and device

Abstract

The invention discloses a request response method and device, and relates to the technical field of big data processing. A specific embodiment of the method comprises the steps of receiving a transaction request, and determining whether resources in a target account corresponding to the transaction request meet the transaction request; in response to the fact that resources in the target account do not meet the transaction request, determining whether the target account corresponds to an account pool; responding to an account pool corresponding to the target account and at least one associated account corresponding to the target account exists in the account pool, determining a request resource corresponding to the target account, and determining a request account corresponding to the target account from the at least one associated account; in response to the condition that the target account and the request account meet the resource request condition, generating and executing a resource request, so as to transfer the request resource from the request account to the target account; and responding to the transaction request by using the transferred target account. According to the embodiment, transaction requirements of different transaction parties can be flexibly met.

Description

Technical Field

[0001] The present invention relates to the field of big data processing technology, and in particular to a request response method and device. Background Art

[0002] Enterprises complete various transactions through resource exchange. During the transaction process, if the resources in the transaction account can meet the transaction requirements, the transaction is completed based on the resources in the transaction account. If the resources in the transaction account cannot meet the transaction request, the transaction fails. The enterprise then re-transacts through multi-party resource scheduling. In the case that the resources in the transaction account cannot meet the transaction request, the execution efficiency of the above transaction method is low and it cannot flexibly adapt to the transaction needs of different transaction parties. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a request response method and device, which has high execution efficiency and can flexibly adapt to the transaction needs of different transaction parties even when the resources in the transaction account cannot meet the transaction request.

[0004] In a first aspect, an embodiment of the present invention provides a request response method, including:

[0005] Receive a transaction request, and determine whether resources in a target account corresponding to the transaction request satisfy the transaction request;

[0006] In response to the resource in the target account not satisfying the transaction request, determining whether the target account corresponds to an account pool;

[0007] In response to the target account corresponding to an account pool, determining whether there is at least one associated account corresponding to the target account in the account pool;

[0008] In response to at least one associated account corresponding to the target account existing in the account pool, determining the requested resources corresponding to the target account, and determining the requested account corresponding to the target account from the at least one associated account;

[0009] In response to the target account and the claiming account meeting the resource claiming condition, generating and executing a resource claiming request to transfer the claimed resources from the claiming account to the target account;

[0010] The transaction request is responded to using the target account after the transfer process.

[0011] Optionally, before receiving the transaction request, the method further includes:

[0012] Determine the target organization corresponding to the target account and the organizational level of the target organization;

[0013] Determine a plurality of organizations in the organizational hierarchy and accounts corresponding to each of the organizations;

[0014] According to the organizational hierarchy and the accounts corresponding to each of the institutions, an account pool corresponding to the target account is constructed.

[0015] Optionally, after determining the claiming account corresponding to the target account from the at least one associated account, the method further includes:

[0016] Determine the resource amount of the target account corresponding to the requested account;

[0017] In response to the resource amount being not less than the requested resource, determining that the target account and the requesting account meet resource requesting conditions;

[0018] In response to the resource amount being less than the requested resource, it is determined that the target account and the requesting account do not meet resource requesting conditions.

[0019] Optionally, after generating and executing the resource claim request, the method further includes:

[0020] Obtaining the return information of the resource request;

[0021] In response to the return information indicating that the claim is successful, the resource quota of the target account corresponding to the claiming account is updated according to the claimed resources.

[0022] Optionally, after determining the claiming account corresponding to the target account from the at least one associated account, the method further includes:

[0023] In response to the target account and the claiming account not meeting resource claiming conditions, a claim failure prompt is generated and sent to the claiming account based on the resource quota and the claimed resources.

[0024] Optionally, determining whether there is at least one associated account corresponding to the target account in the account pool includes:

[0025] Determine the target institution corresponding to the target account;

[0026] From the account pool, an account of a parent institution of the target institution is determined, and the account of the parent institution is determined as an associated account corresponding to the target account.

[0027] Optionally, determining whether there is at least one associated account corresponding to the target account in the account pool includes:

[0028] Determine the resource type and resource quantity corresponding to the requested resources;

[0029] According to the resource type and the number of resources, an associated account corresponding to the target account is matched from the account pool.

[0030] Optionally, after responding to the transaction request using the target account after the transfer process, the method further includes:

[0031] Obtaining response information of the transaction request;

[0032] In response to the response information indicating that the request processing failed, acquiring scenario information corresponding to the target account;

[0033] According to the scenario information, determine whether to execute a resource rollback instruction; wherein the resource rollback instruction is used to roll back the requested resources from the target account to the requested account.

[0034] In a second aspect, an embodiment of the present invention provides a request response device, including:

[0035] A request receiving module, configured to receive a transaction request and determine whether the resources in the target account corresponding to the transaction request satisfy the transaction request;

[0036] an account pool determination module, configured to determine whether the target account corresponds to an account pool in response to the resources in the target account not satisfying the transaction request;

[0037] an account determination module, configured to determine, in response to the target account corresponding to an account pool, whether there is at least one associated account corresponding to the target account in the account pool;

[0038] a resource determination module, configured to determine the requested resources corresponding to the target account in response to the existence of at least one associated account corresponding to the target account in the account pool, and to determine the requested account corresponding to the target account from the at least one associated account;

[0039] A resource claiming module, configured to generate and execute a resource claiming request in response to the target account and the claiming account meeting a resource claiming condition, so as to transfer the claimed resources from the claiming account to the target account;

[0040] The request response module is used to respond to the transaction request using the target account after the transfer process.

[0041] Optionally, it also includes:

[0042] An account pool construction module, used to determine the target institution corresponding to the target account and the organizational level of the target institution;

[0043] Determine a plurality of organizations in the organizational hierarchy and accounts corresponding to each of the organizations;

[0044] According to the organizational hierarchy and the accounts corresponding to each of the institutions, an account pool corresponding to the target account is constructed.

[0045] Optionally, the resource request module is further used to:

[0046] Determine the resource amount of the target account corresponding to the requested account;

[0047] In response to the resource amount being not less than the requested resource, determining that the target account and the requesting account meet resource requesting conditions;

[0048] In response to the resource amount being less than the requested resource, it is determined that the target account and the requesting account do not meet resource requesting conditions.

[0049] Optionally, the resource request module is further used to:

[0050] Obtaining the return information of the resource request;

[0051] In response to the return information indicating that the claim is successful, the resource quota of the target account corresponding to the claiming account is updated according to the claimed resources.

[0052] In a third aspect, an embodiment of the present invention provides an electronic device, including:

[0053] one or more processors;

[0054] A storage device is used to store one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method described in any of the above embodiments.

[0055] In a fourth aspect, an embodiment of the present invention provides a computer-readable medium having a computer program stored thereon, wherein the program, when executed by a processor, implements the method described in any of the above embodiments.

[0056] In a fifth aspect, an embodiment of the present invention provides a computer program product, including a computer program, which implements the method described in any of the above embodiments when executed by a processor.

[0057] One embodiment of the above invention has the following advantages or beneficial effects: if the resources in the target account do not meet the transaction request, and the target account corresponds to an account pool, the request account corresponding to the target account is determined from the account pool. If the target account and the request account meet the resource request conditions, the resource request is executed to transfer the requested resources from the request account to the target account. The target account after the transfer process is used to respond to the transaction request. In the case where the resources in the target account do not meet the transaction request, it also has a high execution efficiency and can complete the transaction normally, thereby flexibly adapting to the transaction needs of different transaction parties.

[0058] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0059] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0060] Figure 1 It is a flowchart of a request response method provided by the first embodiment of the present invention;

[0061] Figure 2 is a flowchart of a request response method provided by the second embodiment of the present invention;

[0062] Figure 3 is a flowchart of a request response method provided by the third embodiment of the present invention;

[0063] Figure 4 is a structural diagram of a request response device provided by an embodiment of the present invention;

[0064] Figure 5 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0065] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0066] The acquisition, transmission, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0067] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0068] Figure 1 is a flowchart of a request response method provided by the first embodiment of the present invention, such as Figure 1 As shown, the method includes:

[0069] Step 101: Receive a transaction request and determine whether the resources in the target account corresponding to the transaction request satisfy the transaction request.

[0070] The transaction request corresponds to the resource. For example, if the transaction request is for a transaction item, the resource can be the transaction amount or the transaction item. If the resource quantity or number of resources in the target account is not less than the resource quantity or number of resources required by the transaction request, the resources in the target account satisfy the transaction request. If the resource quantity or number of resources in the target account is less than the resource quantity or number of resources required by the transaction request, the resources in the target account do not satisfy the transaction request.

[0071] Step 102: In response to the fact that the resources in the target account do not satisfy the transaction request, it is determined whether the target account corresponds to an account pool.

[0072] If the resources in the target account satisfy the transaction request, the resources in the target account are used to respond to the transaction request. If the resources in the target account do not satisfy the transaction request, it is determined whether the target account corresponds to an account pool.

[0073] There are multiple institutions' accounts in the account pool. Multiple institutions include: the target institution corresponding to the target account and the associated institutions of the target institution. The associated institutions can be the superior and subordinate institutions of the target institution. The target institution can also be an institution that can transfer resources with the target institution.

[0074] Step 103: In response to the target account corresponding to an account pool, determining whether there is at least one associated account corresponding to the target account in the account pool.

[0075] If the target account corresponds to an account pool, determine whether there is at least one associated account corresponding to the target account in the account pool. The associated account is an account of an organization above or below the target organization. The associated account can also be an account of an organization that can transfer resources with the target organization.

[0076] If the resources in the target account do not satisfy the transaction request, and there is no associated account corresponding to the target account in the account pool, a transaction failure prompt message is returned.

[0077] Step 104: In response to the existence of at least one associated account corresponding to the target account in the account pool, determining the requested resources corresponding to the target account, and determining the requested account corresponding to the target account from the at least one associated account.

[0078] The resource requested can be the difference between the resource quantity of the target resource in the transaction request and the resource quantity of the target resource in the target account. The resource requested can also be the difference between the resource quantity of the target resource in the transaction request and the resource quantity of the target resource in the target account.

[0079] The claiming account can be determined in a variety of ways. For example, any associated account can be determined as the claiming account. Alternatively, the associated account that has recently requested resources from the target account can be determined as the claiming account.

[0080] In one embodiment of the present invention, determining whether there is at least one associated account corresponding to the target account in the account pool includes: determining the target institution corresponding to the target account; determining the account of the parent institution of the target institution from the account pool, and determining the account of the parent institution as the associated account corresponding to the target account. Determining the account of the parent institution of the target institution as the associated account corresponding to the target account completes the resource request for the target account.

[0081] In one embodiment of the present invention, determining whether there is at least one associated account corresponding to the target account in the account pool includes: determining the resource type and resource number corresponding to the requested resource; and matching the associated account corresponding to the target account from the account pool according to the resource type and resource number. The associated account has a resource corresponding to the resource type, and the resource number of the resource in the associated account is greater than the resource number corresponding to the requested resource. Matching the associated account corresponding to the target account according to the resource type and resource number can ensure the smooth execution of the subsequent resource request step.

[0082] Step 105: In response to the target account and the requesting account meeting the resource requesting conditions, a resource requesting request is generated and executed to transfer the requested resources from the requesting account to the target account.

[0083] Resource claiming conditions can be set according to business needs. For example, resource claiming conditions can be that the claimed resources are not greater than the resource quota of the target account corresponding to the claiming account, there is resource transfer between the target account and the associated account within the preset time period, there is a resource transfer agreement between the target account and the associated account, etc.

[0084] In one embodiment of the present invention, after determining the requesting account corresponding to the target account from at least one associated account, it also includes: determining the resource quota of the requesting account corresponding to the target account; in response to the resource quota being not less than the requested resource, determining that the target account and the requesting account meet the resource requesting conditions; in response to the resource quota being less than the requested resource, determining that the target account and the requesting account do not meet the resource requesting conditions.

[0085] If the resource quota is not less than the requested resource, it is determined that the target account and the requesting account meet the resource request conditions. If the resource quota is less than the requested resource, it is determined that the target account and the requesting account do not meet the resource request conditions. Specifically, after generating and executing the resource request, it also includes: obtaining the return information of the resource request; in response to the return information indicating that the request is successful, updating the resource quota of the target account corresponding to the requesting account according to the requested resource.

[0086] If the returned information indicates that the request is successful, the resource quota of the target account corresponding to the requesting account will be updated in time according to the requested resources. By setting the resource quota, the security of the resource request process can be better guaranteed.

[0087] Step 106: Respond to the transaction request using the target account after the transfer process.

[0088] In the solution of the embodiment of the present invention, if the resources in the target account do not meet the transaction request, and the target account corresponds to an account pool, the request account corresponding to the target account is determined from the account pool. If the target account and the request account meet the resource request conditions, the resource request is executed to transfer the requested resources from the request account to the target account. The target account after the transfer process is used to respond to the transaction request. In the case where the resources in the target account do not meet the transaction request, the transaction can also be completed normally, thereby flexibly adapting to the transaction needs of different transaction parties.

[0089] In one embodiment of the present invention, before receiving a transaction request, it also includes: determining a target institution corresponding to a target account and an organizational hierarchy of the target institution; determining multiple institutions in the organizational hierarchy and accounts corresponding to each institution; and constructing an account pool corresponding to the target account based on the organizational hierarchy and accounts corresponding to each institution.

[0090] The organizational hierarchy includes the superiors and subordinates between various organizations. According to the organizational hierarchy, the association relationship between accounts is determined. If the first organization is the superior organization of the second organization, the first account of the first organization is the superior account of the second account of the second organization. If the first organization is the subordinate organization of the second organization, the first account of the first organization is the subordinate account of the second account of the second organization. Build an account pool corresponding to the target account, and the accounts in the account pool have a superior-subordinate relationship. Through the account pool, the association relationship between accounts can be quickly determined to obtain the associated accounts of the target account.

[0091] Figure 2 is a flowchart of a request response method provided by the second embodiment of the present invention, such as Figure 2 As shown, the method includes:

[0092] Step 201: Receive a transaction request and determine whether the resources in the target account corresponding to the transaction request satisfy the transaction request.

[0093] Step 202: In response to the fact that the resources in the target account do not satisfy the transaction request, it is determined whether the target account corresponds to an account pool.

[0094] Step 203: In response to the target account corresponding to an account pool, determining whether there is at least one associated account corresponding to the target account in the account pool.

[0095] Step 204: In response to the existence of at least one associated account corresponding to the target account in the account pool, determine the requested resources corresponding to the target account; and combine the at least one associated account to generate an account set.

[0096] Step 205: Determine the claiming account corresponding to the target account from the account set, and delete the claiming account from the account set.

[0097] After the determined claiming account is deleted from the account set, all accounts in the account set are associated accounts that have not been determined as claiming accounts.

[0098] If the target account and the claiming account meet the resource claiming conditions, then step 206 is executed. If the target account and the claiming account do not meet the resource claiming conditions, then step 208 is executed.

[0099] Step 206: In response to the target account and the requesting account meeting the resource requesting conditions, a resource requesting request is generated and executed to transfer the requested resources from the requesting account to the target account.

[0100] Step 207: Respond to the transaction request using the target account after the transfer process.

[0101] Step 208: In response to the target account and the requesting account not meeting the resource requesting condition, determining whether there is an associated account in the account set.

[0102] If the account set is not empty, that is, there is an associated account in the account set, step 205 is executed to determine the claim account corresponding to the target account from the account set again. If there is no associated account in the account set, step 209 is executed.

[0103] Step 209: Generate and send a prompt message indicating transaction failure.

[0104] In the solution of the embodiment of the present invention, an account set including all associated accounts of the target account is generated. From the account set, the requesting account is continuously selected until the target account and the selected requesting account meet the resource requesting conditions. The requesting resource is transferred from the requesting account to the target account using the requesting account that meets the resource requesting conditions, completing the transaction response.

[0105] Figure 3 is a flowchart of a request response method provided by the third embodiment of the present invention, such as Figure 3 As shown, the method includes:

[0106] Step 301: Receive a transaction request and determine whether the resources in the target account corresponding to the transaction request satisfy the transaction request.

[0107] Step 302: In response to the fact that the resources in the target account do not satisfy the transaction request, it is determined whether the target account corresponds to an account pool.

[0108] Step 303: In response to the target account corresponding to an account pool, determine whether there is at least one associated account corresponding to the target account in the account pool.

[0109] Step 304: In response to the existence of at least one associated account corresponding to the target account in the account pool, determine the requested resources corresponding to the target account, and determine the requesting account corresponding to the target account from the at least one associated account.

[0110] Step 305: In response to the target account and the requesting account meeting the resource requesting conditions, a resource requesting request is generated and executed to transfer the requested resources from the requesting account to the target account.

[0111] Step 306: Use the target account after the transfer process to respond to the transaction request.

[0112] Step 307: Obtain response information of the transaction request; in response to the response information indicating that the request processing has failed, obtain scenario information corresponding to the target account.

[0113] The scenario information can be set according to business needs. The scenario information may include: whether the resources in the target account are within the preset range, the protocol information of the target account, the resource setting information of the requesting account, etc.

[0114] Step 308: Determine whether to execute a resource rollback instruction based on the scenario information; wherein the resource rollback instruction is used to roll back the requested resources from the target account to the requesting account.

[0115] If it is determined that the resource rollback instruction is to be executed according to the scenario information, the resource rollback instruction is executed to roll back the requested resources from the target account to the requested account. If it is determined that the resource rollback instruction is not to be executed, there is no need to roll back the requested resources from the target account to the requested account.

[0116] In the solution of the embodiment of the present invention, after the requested resources are transferred from the requesting account to the target account, it is determined whether to execute the resource rollback instruction according to the scenario information. If the resource rollback instruction is not executed, the requested resources will not be rolled back from the target account to the requesting account, which is convenient for subsequent re-transactions and can reduce the risk of resource rollback, and can flexibly adapt to the needs of different business parties.

[0117] To make the scheme of the embodiment of the present invention easier to understand, the scheme of the embodiment of the present invention is described below by taking the amount as the resource in the embodiment of the present invention, the overseas sub-account as the target account in the embodiment of the present invention, the domestic main account as the claim account in the scheme of the embodiment of the present invention, and the cross-border pool as the account pool in the scheme of the embodiment of the present invention. When the transaction amount in the overseas sub-account is insufficient, the funds can be claimed from the domestic main account to complete the transaction processing. The processing flow of the scheme is as follows:

[0118] Step S1: The customer sends the transaction request to the bank's domestic global payment factory system through the ERP (Enterprise Resource Planning) system. The bank system verifies the customer's authority, and if the verification is passed, the bank system checks whether the amount in the customer's overseas sub-account is sufficient to meet the amount required for the transaction request.

[0119] Step S2: Check whether the balance in the overseas sub-account is sufficient to determine whether to apply for withdrawal from the domestic main account.

[0120] Step S3: If the amount in the overseas sub-account can meet the amount required by the transaction request, the bank's domestic global payment factory system calls the overseas payment system, sends the transfer application to the settlement component to realize the transfer, and the bank settlement component synchronizes the outgoing result to the bank's domestic global payment factory system. The bank settlement component sends the outgoing message to the transfer-in bank system to realize the entire transfer process in response to the transaction request.

[0121] Step S4: If the amount in the overseas sub-account cannot meet the amount required by the transaction request, the bank's global payment factory system calls the associated account in the cross-border pool to request funds, and the transaction request is temporarily suspended. The associated account is the domestic main account of the overseas sub-account. The cross-border pool receives the resource request, queries the account registration information of the customer when signing the contract based on the sent overseas sub-account, determines the domestic main account corresponding to the overseas sub-account, and queries the resource quota corresponding to the overseas sub-account based on the contract information.

[0122] When the resource quota is greater than or equal to the requested amount, a foreign exchange remittance request is sent to the bank's payment system. The bank's payment system sends the foreign exchange remittance application information submitted by the customer to the bank's centralized counter business processing system, and the bank teller performs the foreign exchange remittance information supplement and foreign exchange declaration operations. After the operation is successful, it is remitted through the bank's payment and settlement component, and the bank's payment and settlement component synchronizes the remittance results to the bank's cross-border pool. The bank settlement component sends the outgoing message to the overseas branch system for account entry, realizing the entire transfer process.

[0123] When the resource quota is less than the requested amount, the resource request from the overseas sub-account will be rejected, and a transaction failure prompt will be returned to the bank's overseas payment system.

[0124] Step S5: If the overseas sub-account successfully requests the domestic main account to withdraw the funds, the successful transaction result will be synchronized to the overseas payment transaction. The overseas payment transaction will continue to execute the temporarily suspended transaction request based on the successful request result.

[0125] Overseas payment and collection sends the overseas remittance application to the bank system. The bank teller enters the remittance application information and continues the remittance operation after the supplement is completed. The bank system synchronizes the successful remittance result to the bank's overseas payment and collection system, and the bank's overseas payment and collection synchronizes the transaction results to the bank's domestic area.

[0126] However, due to network fluctuations and other situations, the bank's overseas payment and collection transactions fail. Based on the scenario information, it is determined whether to execute the resource rollback instruction; the resource rollback instruction is used to roll back the requested resources from the target account to the requested account. If the resource rollback instruction is not executed, the requested amount will not be rolled back and will be directly retained in the overseas sub-account.

[0127] Step S6: If the overseas sub-account fails to apply for payment from the domestic main account, the failed transaction result will be synchronized to the overseas payment and receipt, and the overseas payment and receipt transfer fails, and a prompt message of insufficient balance will be sent to the customer.

[0128] Step S7: The resource quota is calculated based on the transfer operation initiated by the customer in the bank system. The bank system registers the master and sub-accounts. If there is any account change between the domestic master account and the overseas sub-account, the bank deposit system will send a receipt notification to the bank payment system. After judging based on the master and sub-account registration information, the receipt information is pushed to the bank's cross-border pool, which determines the resource quota based on the borrower and lender information. Every time an overseas sub-account successfully initiates a claim request, the resource quota is reduced by the claim amount of the overseas sub-account.

[0129] The solution for transferring funds from a domestic main account to an overseas sub-account provided by the embodiment of the present invention not only meets customer needs but also reduces the workload of customers. Operation and maintenance personnel can clearly see the push results of the receipt file and quickly troubleshoot production problems. For the system, transaction processing can be achieved through low-load transfer processing, thereby improving system utilization.

[0130] Figure 4 is a schematic diagram of a request response device provided by an embodiment of the present invention. Figure 4 As shown, the device comprises:

[0131] The request receiving module 401 is used to receive a transaction request and determine whether the resources in the target account corresponding to the transaction request meet the transaction request;

[0132] An account pool determination module 402, configured to determine whether the target account corresponds to an account pool in response to the resources in the target account not satisfying the transaction request;

[0133] An account determination module 403 is used to determine whether there is at least one associated account corresponding to the target account in the account pool in response to the target account corresponding to the account pool;

[0134] The resource determination module 404 is used to determine the requested resources corresponding to the target account in response to the existence of at least one associated account corresponding to the target account in the account pool, and to determine the requested account corresponding to the target account from the at least one associated account;

[0135] The resource claiming module 405 is used to generate and execute a resource claiming request in response to the target account and the claiming account meeting the resource claiming conditions, so as to transfer the claimed resources from the claiming account to the target account;

[0136] The request response module 406 is used to respond to the transaction request using the target account after the transfer process.

[0137] Optionally, it also includes:

[0138] An account pool construction module is used to determine the target institution corresponding to the target account and the organizational level of the target institution;

[0139] Identify multiple organizations in the organizational hierarchy and the corresponding accounts for each organization;

[0140] According to the organizational hierarchy and the corresponding accounts of each institution, build an account pool corresponding to the target account.

[0141] Optionally, the resource request module is also used to:

[0142] Determine the resource quota of the target account corresponding to the requested account;

[0143] In response to the resource amount being not less than the requested resource, determining that the target account and the requesting account meet the resource requesting conditions;

[0144] In response to the resource quota being less than the requested resource, it is determined that the target account and the requesting account do not meet the resource requesting conditions.

[0145] Optionally, the resource request module is also used to:

[0146] Get the return information of the resource request;

[0147] In response to the returned information indicating that the claim is successful, the resource quota of the target account corresponding to the claiming account is updated according to the claimed resources.

[0148] Optionally, the resource request module 405 is further used to:

[0149] In response to the target account and the requesting account not meeting the resource requesting conditions, a request failure prompt is generated and sent to the requesting account based on the resource quota and the requested resources.

[0150] Optionally, the account determination module 403 is specifically configured to:

[0151] Determine the target institution corresponding to the target account;

[0152] From the account pool, the account of the parent institution of the target institution is determined, and the account of the parent institution is determined as the associated account corresponding to the target account.

[0153] Optionally, the account determination module 403 is specifically configured to:

[0154] Determine the resource type and quantity corresponding to the requested resources;

[0155] According to the resource type and number of resources, the associated account corresponding to the target account is matched from the account pool.

[0156] Optionally, the request response module 406 is further configured to:

[0157] Get the response information of the transaction request;

[0158] In response to the response information indicating that the request processing failed, obtaining scene information corresponding to the target account;

[0159] Determine whether to execute the resource rollback instruction based on the scenario information; wherein the resource rollback instruction is used to roll back the requested resources from the target account to the requesting account.

[0160] An embodiment of the present invention provides an electronic device, including:

[0161] one or more processors;

[0162] The storage device is used to store one or more programs. When the one or more programs are executed by one or more processors, the one or more processors implement the method of any of the above embodiments.

[0163] An embodiment of the present invention provides a computer program product, including a computer program. When the computer program is executed by a processor, the request response method in the embodiment of the present invention is implemented.

[0164] Reference below Figure 5 , which shows a schematic diagram of the structure of a computer system 500 of a terminal device suitable for implementing an embodiment of the present invention. Figure 5 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0165] like Figure 5 As shown, the computer system 500 includes a central processing unit (CPU) 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage part 508 into a random access memory (RAM) 503. In the RAM 503, various programs and data required for the operation of the system 500 are also stored. The CPU 501, the ROM 502, and the RAM 503 are connected to each other through a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.

[0166] The following components are connected to the I / O interface 505: an input section 506 including a keyboard, a mouse, etc.; an output section 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, a modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed, so that a computer program read therefrom is installed into the storage section 508 as needed.

[0167] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the central processing unit (CPU) 501, the above-mentioned functions defined in the system of the present invention are executed.

[0168] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0169] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, functions and operations of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0170] The modules involved in the embodiments of the present invention may be implemented in software or hardware. The modules described may also be set in a processor, for example, they may be described as: a request receiving module, an account pool determination module, an account determination module, a resource determination module, a resource request module, and a request response module. The names of these modules do not, in some cases, constitute limitations on the modules themselves. For example, the request receiving module may also be described as a "module that receives a transaction request and determines whether the resources in the target account corresponding to the transaction request satisfy the transaction request."

[0171] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0172] Receive a transaction request, and determine whether resources in a target account corresponding to the transaction request satisfy the transaction request;

[0173] In response to the resource in the target account not satisfying the transaction request, determining whether the target account corresponds to an account pool;

[0174] In response to the target account corresponding to an account pool, determining whether there is at least one associated account corresponding to the target account in the account pool;

[0175] In response to at least one associated account corresponding to the target account existing in the account pool, determining the requested resources corresponding to the target account, and determining the requested account corresponding to the target account from the at least one associated account;

[0176] In response to the target account and the claiming account meeting the resource claiming condition, generating and executing a resource claiming request to transfer the claimed resources from the claiming account to the target account;

[0177] The transaction request is responded to using the target account after the transfer process.

[0178] According to the technical solution of the embodiment of the present invention, if the resources in the target account do not meet the transaction request, and the target account corresponds to an account pool, the request account corresponding to the target account is determined from the account pool. If the target account and the request account meet the resource request conditions, the resource request is executed to transfer the requested resources from the request account to the target account. The target account after the transfer process is used to respond to the transaction request. In the case where the resources in the target account do not meet the transaction request, the transaction can also be completed normally, thereby flexibly adapting to the transaction needs of different transaction parties.

[0179] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A request response method, characterized in that: include: Receive a transaction request, and determine whether resources in a target account corresponding to the transaction request satisfy the transaction request; In response to the resource in the target account not satisfying the transaction request, determining whether the target account corresponds to an account pool; In response to the target account corresponding to an account pool, determining whether there is at least one associated account corresponding to the target account in the account pool; In response to at least one associated account corresponding to the target account existing in the account pool, determining the requested resources corresponding to the target account, and determining the requested account corresponding to the target account from the at least one associated account; In response to the target account and the claiming account meeting the resource claiming condition, generating and executing a resource claiming request to transfer the claimed resources from the claiming account to the target account; The transaction request is responded to using the target account after the transfer process.

2. The method according to claim 1, characterized in that Before receiving the transaction request, the method further includes: Determine the target organization corresponding to the target account and the organizational level of the target organization; Determine a plurality of organizations in the organizational hierarchy and accounts corresponding to each of the organizations; According to the organizational hierarchy and the accounts corresponding to each of the institutions, an account pool corresponding to the target account is constructed.

3. The method according to claim 1, characterized in that After determining the claiming account corresponding to the target account from the at least one associated account, the method further includes: Determine the resource amount of the target account corresponding to the requested account; In response to the resource amount being not less than the requested resource, determining that the target account and the requesting account meet resource requesting conditions; In response to the resource amount being less than the requested resource, it is determined that the target account and the requesting account do not meet resource requesting conditions.

4. The method according to claim 3, characterized in that After generating and executing the resource request, the method further includes: Obtaining the return information of the resource request; In response to the return information indicating that the claim is successful, the resource quota of the target account corresponding to the claiming account is updated according to the claimed resources.

5. The method according to claim 1, characterized in that After determining the claiming account corresponding to the target account from the at least one associated account, the method further includes: In response to the target account and the claiming account not meeting resource claiming conditions, a claim failure prompt is generated and sent to the claiming account based on the resource quota and the claimed resources.

6. The method according to claim 1, characterized in that The determining whether there is at least one associated account corresponding to the target account in the account pool includes: Determine the target institution corresponding to the target account; From the account pool, an account of a parent institution of the target institution is determined, and the account of the parent institution is determined as an associated account corresponding to the target account.

7. The method according to claim 1, characterized in that The determining whether there is at least one associated account corresponding to the target account in the account pool includes: Determine the resource type and resource quantity corresponding to the requested resources; According to the resource type and the number of resources, an associated account corresponding to the target account is matched from the account pool.

8. The method according to claim 1, characterized in that After using the target account after the transfer process to respond to the transaction request, the method further includes: Obtaining response information of the transaction request; In response to the response information indicating that the request processing failed, acquiring scenario information corresponding to the target account; According to the scenario information, determine whether to execute a resource rollback instruction; wherein the resource rollback instruction is used to roll back the requested resources from the target account to the requested account.

9. A request response device, characterized in that: include: A request receiving module, configured to receive a transaction request and determine whether the resources in the target account corresponding to the transaction request satisfy the transaction request; an account pool determination module, configured to determine whether the target account corresponds to an account pool in response to the resources in the target account not satisfying the transaction request; An account determination module, configured to determine, in response to the target account corresponding to an account pool, whether there is at least one associated account corresponding to the target account in the account pool; a resource determination module, configured to determine the requested resources corresponding to the target account in response to the existence of at least one associated account corresponding to the target account in the account pool, and to determine the requested account corresponding to the target account from the at least one associated account; A resource claiming module, configured to generate and execute a resource claiming request in response to the target account and the claiming account meeting a resource claiming condition, so as to transfer the claimed resources from the claiming account to the target account; The request response module is used to respond to the transaction request using the target account after the transfer process.

10. The device according to claim 9, characterized in that Also includes: An account pool construction module, used to determine the target institution corresponding to the target account and the organizational level of the target institution; Determine a plurality of organizations in the organizational hierarchy and accounts corresponding to each of the organizations; According to the organizational hierarchy and the accounts corresponding to each of the institutions, an account pool corresponding to the target account is constructed.

11. The device according to claim 9, characterized in that The resource request module is also used for: Determine the resource amount of the target account corresponding to the requested account; In response to the resource amount being not less than the requested resource, determining that the target account and the requesting account meet resource requesting conditions; In response to the resource amount being less than the requested resource, it is determined that the target account and the requesting account do not meet resource requesting conditions.

12. The device according to claim 11, characterized in that The resource request module is also used for: Obtaining the return information of the resource request; In response to the return information indicating that the claim is successful, the resource quota of the target account corresponding to the claiming account is updated according to the claimed resources.

13. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 8.

14. A computer readable medium having a computer program stored thereon, characterized in that When the program is executed by a processor, the method described in any one of claims 1 to 8 is implemented.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 8 is implemented.

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