Linked payment method, device, storage medium and computer program product

Abstract

The present application discloses a linkage payment method, device, storage medium and computer program product, which relates to the field of financial information technology. The method includes: obtaining linkage payment status information and calculating the funding gap of current account transactions; linking the fixed-term account to make real-time deductions according to the funding gap and the linkage payment status, and generating queue messages and database transaction data; asynchronously processing the deposit interest settlement of the fixed-term account through the queue messages and the database transaction data. The real-time fund payment transaction and the deposit account interest settlement processing are separated, which can ensure the rapid response of the payment transaction while ensuring the accurate settlement of the interest on the fixed-term deposit, thereby realizing flexible linkage of funds on the fixed-term deposit account for high-liquidity linkage payment.

Description

Technical Field

[0001] The present application relates to the field of financial information technology, and in particular to a linkage payment method, device, storage medium and computer program product. Background Art

[0002] As a traditional way of saving, fixed deposits are very popular. Customers need to manually deposit and withdraw fixed deposits. For customers with large amounts of funds and high transaction volumes, if the balance in the current account is insufficient, customers often need to manually transfer fixed deposits to current deposits. It is troublesome to transfer fixed deposits and frequent current and fixed deposit funds. The interest-bearing products adjust the interest calculation rules of the products to allow different deposit periods to enjoy different interest income, but they do not fundamentally solve the problems of cumbersome operation and convenient payment of fixed deposits. Although similar products on the market have the function of linked payment, they can often only link one fixed deposit account and cannot cope with payment scenarios with large and frequent transaction volumes.

[0003] Therefore, how to flexibly link the funds in the time deposit account to make convenient high-liquidity linked payments has become an urgent problem to be solved in this application.

[0004] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0005] The main purpose of this application is to provide a linkage payment method, device, storage medium and computer program product, aiming to solve the technical problem of how to flexibly link funds in time deposit accounts to perform convenient and high-liquidity linkage payments.

[0006] To achieve the above purpose, the present application proposes a linkage payment method, which includes:

[0007] Obtain linkage payment status information and calculate funding gaps for current account transactions;

[0008] According to the funding gap and the linkage payment status information, the regular account is linked to perform real-time deductions, and queue messages and database transaction data are generated;

[0009] The deposit interest settlement of the fixed-term account is processed asynchronously through the queue message and the database transaction data.

[0010] In one embodiment, the step of obtaining linkage payment status information and calculating the funding gap of current account transactions includes:

[0011] Query the account tag of the current account to obtain the linkage payment status information

[0012] Obtaining the withdrawal amount and current available amount of the current account transaction;

[0013] The funding gap of the current account transaction is calculated based on the withdrawal amount, the current available amount and the linkage payment status information.

[0014] In one embodiment, the step of linking a regular account to perform real-time deductions according to the funding gap and the linked payment status information, and generating a queue message and database transaction data includes:

[0015] When the linkage payment status information is activated, the linkage regular account obtains a regular account list and a linkage amount;

[0016] Constructing a linkage transaction list according to the regular account list and the linkage amount, and performing a legality check on the linkage transaction list;

[0017] When the linkage transaction list passes the legality check, the regular account is deducted in real time based on the funding gap, and a queue message and database transaction data are generated.

[0018] In one embodiment, before the step of asynchronously processing the deposit interest settlement of the fixed deposit account through the queue message and the database transaction data, the step further includes:

[0019] An abnormal protection mechanism is set up, and the abnormal protection mechanism is used to asynchronously handle abnormal situations in the interest settlement of fixed-term account deposits.

[0020] In one embodiment, the step of asynchronously processing the deposit interest settlement of the fixed deposit account through the queue message and the database transaction data includes:

[0021] Asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data, and settling the deposit interest settlement of the fixed-term account to the current account;

[0022] Real-time monitoring of whether there are any abnormalities in the asynchronous processing of interest settlement of fixed deposit accounts;

[0023] If the abnormal situation occurs during the asynchronous processing of interest settlement of fixed-term account deposits, the abnormal protection mechanism will be triggered.

[0024] In one embodiment, if the abnormal situation occurs during the asynchronous processing of the interest settlement of the fixed deposit account, the step of triggering the abnormal guarantee mechanism includes:

[0025] Record the number of abnormal situations that occur during the asynchronous processing of interest settlement of fixed deposit accounts;

[0026] If the number of abnormal situations exceeds the preset threshold, the abnormal protection mechanism will be triggered and an application for intervention will be made.

[0027] In one embodiment, after the step of asynchronously processing the deposit interest settlement of the fixed deposit account through the queue message and the database transaction data, the step further includes:

[0028] updating the available balance of the current account and the linkage balance of the fixed deposit account, and performing an account transaction check based on the available balance;

[0029] Through the account transaction check polling, determine the products that meet the purchase conditions and make regular deposits to open an account.

[0030] In addition, to achieve the above-mentioned purpose, the present application also proposes a linkage payment device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the linkage payment method described above.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the linkage payment method described above are implemented.

[0032] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the linkage payment method described above.

[0033] One or more technical solutions proposed in this application have at least the following technical effects:

[0034] Get linkage payment status information and calculate the funding gap of current account transactions. According to the funding gap and linkage payment status information, it can be determined whether it is necessary to deduct money from the fixed deposit account in real time to make up for the funding gap, so as to link the fixed deposit account for real-time deduction. Generate queue messages and database transaction data while making real-time deductions, and asynchronously process the deposit interest settlement of the fixed deposit account through queue messages and database transaction data. The asynchronous processing method avoids complex deposit interest settlement operations during the payment transaction process, thereby improving the performance of the payment transaction. The separation of real-time fund payment transactions and deposit account interest settlement processing can ensure the rapid response of payment transactions while ensuring the accurate settlement of interest on fixed deposits, thereby realizing flexible linkage of funds on fixed deposit accounts for high-liquidity linkage payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0036] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0037] Figure 1 A flowchart of the first embodiment of the linkage payment method of this application is provided;

[0038] Figure 2 A flow chart of the second embodiment of the linkage payment method of this application;

[0039] Figure 3 A flowchart of the third embodiment of the linkage payment method of this application is provided;

[0040] Figure 4 A flowchart of the fifth embodiment of the linkage payment method of this application is provided;

[0041] Figure 5 A schematic diagram of the linkage payment logic provided for this application;

[0042] Figure 6 This is a schematic diagram of the module structure of the linkage payment device according to an embodiment of the present application;

[0043] Figure 7 This is a schematic diagram of the device structure of the hardware operating environment involved in the linked payment method in the embodiment of the present application.

[0044] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0045] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0046] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0047] The main solution of the embodiment of the present application is: obtaining linkage payment status information and calculating the funding gap of current account transactions; linking the fixed-term account to make real-time deductions based on the funding gap and the linkage payment status, and generating queue messages and database transaction data; asynchronously processing the deposit interest settlement of the fixed-term account through queue messages and the database transaction data. Through the above steps, the operations of real-time deductions and deposit interest settlement of fixed-term accounts are separated, which can ensure the rapid response of payment transactions while ensuring the accurate settlement of interest on fixed-term deposits, thereby realizing flexible linkage of funds on fixed-term deposit accounts for high-liquidity linkage payments.

[0048] In this embodiment, for the convenience of description, identification is used as the core accounting system execution subject for explanation below.

[0049] The embodiments of this application take into account that: since time deposits are popular as a traditional way of saving, time deposits require customers to manually deposit and withdraw. For customers with large amounts of funds and large transaction volumes, if the balance in the current account is insufficient, customers are often required to manually convert time deposits into current deposits. Time deposits and frequent transfers of funds in and out of current accounts are more troublesome. Interest-bearing products adjust the product interest calculation rules to allow different deposit periods to enjoy different interest returns, but they do not fundamentally solve the problems of cumbersome operation and convenient payment of time deposits. Although similar products on the market have the function of linked payment, they can often only link one time deposit account and cannot cope with payment scenarios with large and frequent transaction volumes.

[0050] Therefore, the present application provides a solution to obtain linkage payment status information and calculate the funding gap of current account transactions. According to the funding gap and linkage payment status, it can be determined whether it is necessary to make real-time deductions from the fixed-term account to make up for the funding gap, thereby linking the fixed-term account to make real-time deductions. Queue messages and database transaction data are generated while real-time deductions are made, and the deposit interest settlement of the fixed-term account is processed asynchronously through queue messages and database transaction data. The asynchronous processing method avoids complex deposit interest settlement operations during the payment transaction process, thereby improving the performance of the payment transaction. The separation of real-time fund payment transactions and deposit account interest settlement processing can ensure the rapid response of payment transactions while ensuring the accurate settlement of interest on fixed deposits, thereby realizing flexible linkage of funds on fixed-term deposit accounts for high-liquidity linkage payments.

[0051] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a core accounting system, etc. The following takes the core accounting system as an example to illustrate this embodiment and the following embodiments.

[0052] Based on this, the present application embodiment provides a linkage payment method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the linkage payment method of the present application.

[0053] In this embodiment, the linkage payment method includes steps S10 to S30:

[0054] Step S10, obtaining linkage payment status information and calculating the funding gap of current account transactions;

[0055] Linked payment status information refers to whether the customer has signed a linked payment agreement and the available balance of the fixed deposit account under the agreement. This information is used to determine whether the fixed deposit account can be linked to deduct money when the current account balance is insufficient during a payment transaction.

[0056] The funding gap of current account transactions refers to the situation where the available balance in the current account is insufficient to pay the shortfall in the transaction amount when the customer makes a payment transaction. When the current account balance is insufficient, the core accounting system will check whether the linkage payment agreement has been signed and try to deduct the corresponding amount from the fixed deposit account to make up the funding gap.

[0057] Customers use mobile banking, online banking or other similar electronic channels to initiate a request to sign or terminate a linkage payment agreement. These requests include filling in necessary information, such as the account number of the fixed-term account, the desired linkage conditions, etc. Once the customer submits a request to sign or terminate the agreement, the above information will be sent to the bank's back-end system for processing. The bank's back-end system includes a deposit system that is responsible for recording the status of the customer's linkage payment agreement signing and termination. The deposit system interacts with the core accounting system so that the core accounting system can accurately obtain the customer's linkage payment status.

[0058] The customer initiates a payment transaction request through an electronic channel (such as mobile banking, online banking, etc.) or a physical channel (such as ATM, counter, etc.), and the request contains necessary information such as the transaction amount and the payee information. Once the payment transaction request is received, the core accounting system will check the available balance of the current account by querying the current balance and reserved amount of the current account. If the available balance of the current account is less than the transaction amount, the core accounting system will calculate the funding gap. The funding gap refers to the difference between the transaction amount and the available balance of the current account. This funding gap represents the additional amount that the customer needs to pay from the fixed deposit account to complete the current payment transaction.

[0059] Step S20, linking the regular account to perform real-time deductions according to the funding gap and the linkage payment status information, and generating queue messages and database transaction data;

[0060] According to the linkage payment status, query the available balance of the fixed-term account under the corresponding linkage payment agreement to determine whether it is sufficient to cover the funding gap. If the available balance of the fixed-term account is sufficient, the core accounting system will immediately deduct the corresponding amount from the fixed-term account to make up for the funding gap of the current account, realizing real-time deduction.

[0061] After the real-time deduction is completed, the core accounting system will generate a Kafka queue message, which contains relevant information about the deduction transaction, such as transaction time, transaction amount, deduction account, etc. The Kafka queue message will be sent to the Kafka cluster and wait for asynchronous processing by the deposit system.

[0062] In the same transaction, the core accounting system will store the relevant data of the deduction transaction in the database to ensure data persistence and consistency. Database transaction data includes but is not limited to transaction ID, transaction type, transaction time, transaction amount, current account information, fixed account information, etc. By generating database transaction data, the core accounting system can record and track each deduction transaction and provide customers with accurate transaction records and reconciliation services.

[0063] Step S30, asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data.

[0064] Asynchronous processing separates real-time fund payment transactions and deposit account interest settlement. During the asynchronous processing, the interest on the fixed-term account is calculated based on the queue messages and database transaction data, and the interest amount is settled to the customer's current account.

[0065] The deposit interest settlement process is processed asynchronously by consuming Kafka queue messages and database transaction data, which means that the deposit interest settlement operation will not block the execution of the linked payment transaction, thereby improving the response speed of the linked payment.

[0066] This embodiment provides a linkage payment method, which obtains linkage payment status information and calculates the funding gap of current account transactions. According to the funding gap and linkage payment status, it can be determined whether it is necessary to deduct money from the fixed-term account in real time to make up for the funding gap, thereby linking the fixed-term account to perform real-time deductions. Queue messages and database transaction data are generated while deducting money in real time, and the deposit interest settlement of the fixed-term account is processed asynchronously through queue messages and database transaction data. The asynchronous processing method avoids complex deposit interest settlement operations during the payment transaction process, thereby improving the performance of the payment transaction. The real-time fund payment transaction and deposit account interest settlement processing are separated, which can ensure the rapid response of the payment transaction while ensuring the accurate settlement of the interest on the fixed deposit, thereby realizing flexible linkage of funds on the fixed-term deposit account for high-liquidity linkage payment.

[0067] In a feasible implementation, step S10 may include steps S11 to S13:

[0068] Step S11, querying the account tag of the current account to obtain linkage payment status information;

[0069] When a customer initiates a payment transaction request, a query operation on the current account is triggered. By accessing the database or data warehouse storing the current account information, one or more specific tags (or labels) are checked. These tags are used to indicate whether the account has signed the linkage payment agreement. Based on the account tag of the current account, it can be determined whether the current account has signed the linkage payment agreement, as well as the specific linkage payment status (such as whether it is in an activated state, whether there are specific linkage conditions, etc.).

[0070] Step S12, obtaining the withdrawal amount and the current available amount of the current account transaction;

[0071] When a customer initiates a payment transaction through the banking system, the withdrawal amount specified in the transaction request is read. This amount is the amount that the customer wishes to transfer from the current account. Further, the core accounting system retrieves the current balance of the current account from the database. If there are any reserved amounts in the current account (such as outstanding loans, credit card arrears, time deposit reservations, etc.), the core accounting system deducts these amounts from the current balance to get the net available balance. The core accounting system also checks whether there are any unsettled transactions (such as pending payments, refunds, etc.) that may affect the current available amount.

[0072] Step S13, calculating the funding gap of the current account transaction according to the withdrawal amount, the current available amount and the linkage payment status information.

[0073] Refer to the linkage payment status. If the withdrawal amount is greater than the current available amount, calculate the funding gap. This funding gap represents the additional amount that the customer needs to pay (if the current account cannot cover the withdrawal amount alone) or the amount that needs to be obtained from the fixed-term account (if a linkage payment agreement has been signed) or other sources. If the current account has signed a linkage payment agreement, the core accounting system also needs to consider the specific conditions in the agreement when calculating the funding gap, such as whether deductions from the fixed-term account are allowed, the upper limit of the deduction, and whether customer confirmation is required.

[0074] The final fund gap value is determined based on the withdrawal amount, the current available amount and the specific conditions of the linkage payment agreement. This value will be used to guide the subsequent payment transaction processing process, such as whether to prompt the customer to make additional top-ups, whether to deduct funds from the regular account, etc.

[0075] Based on the first embodiment of the present application, the second embodiment of the present application is proposed. In the second embodiment of the present application, the same or similar contents as those of the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following.

[0076] On this basis, please refer to Figure 2 , Figure 2A flow chart of the second embodiment of the linkage payment method provided for this application.

[0077] In this embodiment, the step S20 of linking the regular account to perform real-time deductions according to the funding gap and the linked payment status information and generating queue messages and database transaction data may include steps S21 to S23:

[0078] Step S21, when the linkage payment status information is activated, the linkage regular account obtains a regular account list and a linkage amount;

[0079] By querying the metadata or configuration information of the current account, it is determined whether there is a valid linkage payment agreement and thus the linkage payment status. When the linkage payment status of the current account is activated, the list of regular accounts associated with the current account is queried. The regular account list is a regular account determined according to the linkage payment agreement and used to automatically make up the funding gap when the current account balance is insufficient.

[0080] For each linked recurring account, the core accounting system queries the amount available for linkage payment. This amount can be pre-set by the customer or calculated based on the current balance of the recurring account and specific linkage rules.

[0081] Step S22, constructing a linkage transaction list according to the regular account list and the linkage amount, and performing a legitimacy check on the linkage transaction list;

[0082] Based on the list of regular accounts and the linkage amount of each account, the core accounting system will build a linkage transaction list. The linkage transaction list contains all possible transaction records of deducting money from the regular account to make up for the funding gap in the current account.

[0083] Before executing the deduction operation, a series of legality checks are performed on the linked transaction list. The legality checks include: confirming that the regular account exists and is in normal status; checking whether the linked amount exceeds the current balance of the regular account; verifying whether the linked transaction complies with the bank's internal risk control and compliance requirements; and ensuring that the number of deductions or the amount limit set by the customer is not exceeded. If any illegal or non-compliant transactions are found, they will be removed from the linked transaction list, and an error log may be recorded or the customer may be notified.

[0084] Step S23: When the linkage transaction list passes the legality check, the regular account is deducted in real time based on the funding gap, and a queue message and database transaction data are generated.

[0085] Once the linked transaction list passes the legality check, the core accounting system will deduct the recurring accounts in real time according to the order in the list. The deduction amount will be determined based on the funding gap and the linked amount of each recurring account.

[0086] The core accounting system records the detailed information of each deduction, including the deduction time, deduction account, deduction amount, etc. In order to ensure the decoupling and asynchronous processing capabilities of the core accounting system, one or more queue messages are generated to record these deduction operations. At the same time, the core accounting system will generate corresponding database transaction data to record the results of these deduction operations. These data will be stored in the database for subsequent query and audit.

[0087] In this embodiment, when there is a funding gap in the current account transaction, the difference is automatically deducted from the associated fixed-term account to make up the difference, and all operations are ensured to meet the legality and compliance requirements. At the same time, by generating queue messages and database transaction data, subsequent asynchronous processing and auditing requirements are supported.

[0088] Based on the first embodiment and / or the second embodiment of the present application, the third embodiment of the present application is proposed. In the third embodiment of the present application, the same or similar contents as those of the above embodiments can be referred to the above introduction, and will not be repeated in the following.

[0089] On this basis, please refer to Figure 3 , Figure 3 A flowchart of the third embodiment of the linkage payment method provided for this application.

[0090] In this embodiment, the step S231 is included before the step S30 of asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data:

[0091] Step S231, setting an abnormal protection mechanism, which is used to asynchronously handle abnormal situations in the interest settlement of fixed deposit accounts.

[0092] Before designing an abnormality protection mechanism, we first need to clarify what situations are considered abnormal. These abnormalities may include but are not limited to: failure of deduction operations (such as due to network problems, insufficient account balance, abnormal account status, etc.); errors in deposit interest calculation (such as inaccurate interest calculation due to system bugs, data inconsistency, etc.); queue message processing timeout or failure (such as due to message queue system failure, insufficient consumer processing capacity, etc.); database transaction failure (such as transaction data cannot be written correctly due to database lock, data conflict, hardware failure, etc.).

[0093] Design corresponding fallback strategies for the above-mentioned abnormal scenarios. For the exception of failed deduction operations, a retry mechanism can be designed to set the number of retries and the interval time, and record the error log or notify the customer after the retry fails. For the exception of deposit interest calculation errors, a verification mechanism can be designed to verify the data before and after the interest settlement operation to ensure the accuracy of the calculation results. If an error is found, the compensation process can be triggered to correct the error. For the exception of queue message processing timeout or failure, a message resend mechanism can be designed to put the failed message back into the queue for processing, and set the maximum number of retries. For the exception of database transaction failure, a transaction rollback mechanism can be designed to ensure that when a transaction fails, it can be rolled back to the state before the transaction started, and the error log is recorded and subsequent processing is performed. The corresponding fallback strategies for different abnormal scenarios together form an abnormal fallback mechanism.

[0094] According to the designed guarantee strategy, it is necessary to write corresponding code logic to implement these mechanisms. Specifically, modify the existing deduction operation, deposit interest calculation, message queue processing and database transaction processing processes to integrate the guarantee logic.

[0095] After implementing the fallback mechanism, conduct sufficient testing to ensure its effectiveness and reliability. This includes different types of testing such as unit testing, integration testing, and stress testing. Based on the test results, optimize and adjust the fallback mechanism to improve its performance and stability.

[0096] In this embodiment, the corresponding backup strategies for different abnormal scenarios together constitute an abnormal backup mechanism, which makes the system more robust and reliable in the asynchronous process of processing interest settlement of fixed deposit accounts. Even if an abnormal situation occurs, the system can ensure the accuracy and consistency of the data through the backup mechanism, and provide necessary notification and alarm functions so that relevant personnel can respond and handle it in time.

[0097] Based on the above embodiments of the present application, a fourth embodiment of the present application is proposed. In the fourth embodiment of the present application, the same or similar contents as those of the above embodiments can be referred to the above introduction, and will not be described in detail later.

[0098] In this embodiment, the step S30 of asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data may include steps S31 to S33:

[0099] Step S31, asynchronously processing the deposit interest settlement of the fixed deposit account through the queue message and the database transaction data, and settling the deposit interest settlement of the fixed deposit account to the current account;

[0100] Listen to the queue messages generated in the kafka queue, synchronize with the listening queue messages, and read the transaction data related to deposit interest settlement in the database. Based on the queue messages and database transaction data, perform the deposit interest settlement operation, settle the interest amount to the current account, and register the relevant interest transaction information.

[0101] After executing the deposit interest settlement operation, the core accounting system will update the balance information of the fixed deposit account and the current account to reflect the result of the interest settlement operation. In addition, the core accounting system will record the transaction log of the deposit interest settlement operation, including key information such as operation time, operation type, operation account, operation amount, etc., for subsequent audit and inquiry.

[0102] Step S32, real-time monitoring of whether there are any abnormalities in the process of asynchronously processing interest settlement of fixed deposit accounts;

[0103] The core accounting system sets a series of monitoring indicators to monitor the process of asynchronous processing of interest settlement of fixed-term account deposits in real time. The monitoring indicators include queue message processing speed, database transaction processing success rate, abnormal account balance changes, etc.

[0104] The core accounting system regularly analyzes transaction logs and error logs to detect any anomalies. The system transaction log records detailed information about system operations, including the reasons for success or failure of operations, the time when the anomaly occurred, etc.

[0105] Additionally, in a feasible implementation of step S32, the core accounting system may also use an anomaly detection algorithm (such as a machine learning algorithm) to automatically identify potential anomalies. The anomaly detection algorithm identifies anomalies by analyzing the differences between historical data and current data.

[0106] Step S33: If the abnormal situation occurs during the asynchronous processing of interest settlement of fixed-term account deposits, the abnormal guarantee mechanism is triggered.

[0107] When the core accounting system detects an abnormal situation, it will further confirm and verify it through detailed analysis of the log and checking of the system status to ensure the authenticity of the abnormal situation. If the abnormal situation is confirmed, the previously set abnormal protection mechanism will be triggered. The specific operations of the protection mechanism include retrying failed transactions, rolling back database transactions, recording error logs, notifying relevant personnel, etc.

[0108] Specifically, in the first feasible implementation of step S33, the abnormal situation existing in the process of asynchronously processing the interest settlement of fixed-term account deposits can be retried by first landing in the database and then automatically triggering a retry. If the number of retries exceeds the preset number, an alarm and manual intervention will be triggered. In the case where the Kafka message queue abnormality causes data loss and the interest settlement process is not completed in quasi-real time, according to the end-of-day backup step of the abnormal backup mechanism, by checking the data with the accounting system at a fixed time (such as early morning), the withdrawal that has not completed the interest settlement process will re-trigger the interest settlement logic.

[0109] Specifically, in a second feasible implementation of step S33, step S33 may include steps S331 to S332:

[0110] Step S331, recording the number of abnormal situations that occur during the asynchronous processing of interest settlement of fixed deposit accounts;

[0111] During the asynchronous processing of interest payments on fixed-term account deposits, the core accounting system will continuously monitor the execution of each link, including the processing of message queues, the submission of database transactions, and the updating of account balances.

[0112] Once the core accounting system detects an abnormal situation (such as message processing failure, database transaction rollback, inconsistent account balance update, etc.), it will immediately record the event. The content of the record usually includes the time when the abnormality occurred, the type of abnormality, the account information involved, the description of the abnormality, etc. For each type of abnormality, the core accounting system will maintain a counter to count the number of times that type of abnormality occurs in a specific time period. This time period can be an operating cycle of the core accounting system (such as one day, one week, or one month), or it can be a custom time range.

[0113] Step S332: If the number of abnormal situations exceeds a preset threshold, the abnormal protection mechanism is triggered and an intervention process is requested.

[0114] The core accounting system sets a reasonable threshold for each type of anomaly based on historical data, business requirements, and risk control strategies. This threshold represents the upper limit of the number of anomalies that can be tolerated. The core accounting system regularly (such as every hour, every day, etc.) checks whether the number of various anomalies exceeds the preset threshold.

[0115] If the number of exceptions of a certain type exceeds the preset threshold, the core accounting system will immediately trigger the exception protection mechanism, suspend the operation of related functions, roll back to the previous stable state, notify relevant personnel (such as operation and maintenance personnel, developers), etc. At the same time as the protection mechanism is triggered, an intervention application is generated, which contains key information such as exception type, number of exceptions, occurrence time, and impact range. This application will be sent to the relevant personnel or team responsible for handling such issues.

[0116] After handling the abnormal situation, the core accounting system will perform recovery operations to ensure that the core accounting system can operate normally. At the same time, the core accounting system will also perform verification operations to ensure that the abnormality has been successfully resolved and the core accounting system can continue to correctly handle subsequent deposit interest settlement operations.

[0117] In this embodiment, by asynchronously processing the interest settlement of fixed-term account deposits through queue messages and the database transaction data, a large number of fixed-term account deposit interest settlement operations can be efficiently processed without the user having to wait for the processing results. Real-time monitoring is performed to determine whether there are any abnormalities in the process of asynchronously processing the interest settlement of fixed-term account deposits. If the abnormalities exist in the process of asynchronously processing the interest settlement of fixed-term account deposits, the abnormality protection mechanism is triggered. The triggering of the abnormality protection mechanism further ensures that users can obtain timely solutions and compensation when encountering problems. Based on asynchronous processing and real-time monitoring, users are provided with a smoother and more efficient payment experience.

[0118] Based on the above embodiments of the present application, a fifth embodiment of the present application is proposed. In the fifth embodiment of the present application, the same or similar contents as those of the above embodiments can be referred to the above introduction, and will not be described in detail later.

[0119] On this basis, reference Figure 4 , Figure 4 A flowchart of the fifth embodiment of the linkage payment method provided for this application.

[0120] In this embodiment, after step S30 of asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data, the following steps are further included:

[0121] Step S40, updating the available balance of the current account and the linkage balance of the fixed deposit account, and performing an account transaction check based on the available balance;

[0122] Since the user conducts transactions in the current account and deposit interest is transferred into the current account, the core transaction system first needs to update the current available amount of the current account. There is a linkage payment between the current account and the fixed deposit account, and the core transaction system also needs to update the linkage amount of the fixed deposit account.

[0123] After updating the available balance in the current account, an account transaction check is performed to ensure that the user has sufficient funds to carry out the next transaction (such as purchasing a fixed-term product). This includes verifying whether the user has sufficient available balance to meet the transaction requirements and whether any transaction-related restrictions or conditions (such as minimum transaction amount, transaction frequency, etc.) are complied with.

[0124] Step S50, determining the products that meet the purchase conditions through the account transaction check polling and making regular deposits to open an account.

[0125] Once the account transaction check is passed, the system will then poll all available fixed-term products (such as fixed deposit products with different terms and interest rates) to find products that meet the user's purchase conditions. When the core accounting system finds a product that meets the user's purchase conditions, it will perform an account opening operation, transfer the amount specified by the user from the current account to the fixed-term account, and open a new fixed-term deposit account. During this process, the system will also record relevant transaction information (such as transaction time, transaction amount, product details, etc.) and update the user's account information (including the balance of the current account and the fixed-term account).

[0126] In this embodiment, in order to avoid the problem of insufficient product quota due to concentrated deposits of a certain product, which affects customer deposits, the concept of product combination is introduced, and multiple products are polled during automatic deposits to purchase products that meet the sales conditions.

[0127] The following combination Figure 5 The linkage payment proposed in this application is elaborated in detail. Figure 5 Schematic diagram of the linkage payment logic provided for this application.

[0128] like Figure 5 As shown in the figure, customers initiate the signing and termination of the agreement through mobile banking and other clients, the deposit system records the signing and termination status, and the core account system records the payment linkage status by marking the current account. For customers who have signed the linkage payment agreement, when a payment transaction occurs, if the current available balance is insufficient, the account system will directly deduct the money from the available balance of the fixed account in real time. Specifically, if there is a funding gap in the current balance payment, it is determined whether the account has signed the Zhicuntong agreement for linkage with the fixed account. If it has not been signed, an error will be directly reported and the transaction cannot be completed. If the linkage payment agreement has been signed, the available balance of the linkage agreement will be obtained. If the balance is insufficient for the funding gap, an error will be reported and the transaction cannot be completed. If the balance is sufficient to offset, the fixed account list and the linkage amount will be obtained to build a linkage transaction list of multiple borrowing and one loan. The linkage available balance is returned to facilitate customers to understand the amount that can be used for quick payment.

[0129] While deducting money from the available balance of the fixed deposit account in real time, Kafka queue messages are generated, and the transaction data is landed in the database in the same transaction. At this time, although the principal has been deducted, the corresponding deposit interest has not been settled to the customer. By consuming the Kafka queue, the deposit interest settlement and account closing process are processed asynchronously, the interest amount is settled to the customer's current account, and the relevant interest transaction information is registered.

[0130] This application also provides a linkage payment device, please refer to Figure 6 , the linkage payment device comprises:

[0131] A status information acquisition module 10, used to acquire linkage payment status information and calculate the funding gap of current account transactions;

[0132] A linkage payment module 20, for linking a regular account to perform real-time deductions according to the funding gap and the linkage payment status information, and generating queue messages and database transaction data;

[0133] The deposit interest settlement module 30 is used to asynchronously process the deposit interest settlement of the fixed-term account through the queue message and the database transaction data.

[0134] The linkage payment device provided by the present application adopts the linkage payment method in the above embodiment, which can solve the technical problems of linkage payment. Compared with the prior art, the beneficial effects of the linkage payment device provided by the present application are the same as the beneficial effects of the linkage payment method provided by the above embodiment, and other technical features in the linkage payment device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0135] The present application provides a linkage payment device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the linkage payment method in the above-mentioned embodiment one.

[0136] Reference below Figure 7 , which shows a schematic diagram of the structure of a linkage payment device suitable for implementing the embodiment of the present application. The linkage payment device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 7 The linked payment device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0137] like Figure 7 As shown, the linkage payment device may include a processing device 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the linkage payment device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touchpad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the linked payment device to communicate wirelessly or wired with other devices to exchange data. Although the figure shows a linked payment device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0138] In particular, according to the embodiments disclosed in the present application, 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 application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0139] The linkage payment device provided by the present application adopts the linkage payment method in the above embodiment, which can solve the technical problems of linkage payment. Compared with the prior art, the beneficial effects of the linkage payment device provided by the present application are the same as the beneficial effects of the linkage payment method provided by the above embodiment, and other technical features in the linkage payment device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0140] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0141] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0142] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the linkage payment method in the above-mentioned embodiment.

[0143] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, 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 this embodiment, the 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, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0144] The computer-readable storage medium may be included in the linked payment device; or may exist independently without being assembled into the linked payment device.

[0145] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the linked payment device, the linked payment device: obtains the linked payment status information and calculates the funding gap of the current account transaction; deducts money from the linked fixed-term account in real time according to the funding gap and the linked payment status information, and generates queue messages and database transaction data; and asynchronously processes the deposit interest settlement of the fixed-term account through the queue messages and the database transaction data.

[0146] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0147] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the 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 square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square 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 square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / 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.

[0148] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0149] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned linkage payment method, and can solve the technical problems of linkage payment. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the linkage payment method provided in the above-mentioned embodiment, and will not be repeated here.

[0150] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned linkage payment method when executed by a processor.

[0151] The computer program product provided by this application can solve the technical problem of linkage payment. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the linkage payment method provided by the above embodiment, which will not be repeated here.

[0152] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A linkage payment method, characterized in that: The method comprises: Obtain linkage payment status information and calculate funding gaps for current account transactions; According to the funding gap and the linkage payment status information, the regular account is linked to perform real-time deductions, and queue messages and database transaction data are generated; The deposit interest settlement of the fixed-term account is processed asynchronously through the queue message and the database transaction data.

2. The method according to claim 1, characterized in that The steps of obtaining linkage payment status information and calculating the funding gap of current account transactions include: Query the account tag of the current account to obtain the linkage payment status information; Obtaining the withdrawal amount and current available amount of the current account transaction; The funding gap of the current account transaction is calculated based on the withdrawal amount, the current available amount and the linkage payment status information.

3. The method according to claim 1, characterized in that The step of linking a regular account to perform real-time deductions according to the funding gap and the linked payment status information, and generating queue messages and database transaction data comprises: When the linkage payment status information is activated, the linkage regular account obtains a regular account list and a linkage amount; Constructing a linkage transaction list according to the regular account list and the linkage amount, and performing a legality check on the linkage transaction list; When the linkage transaction list passes the legality check, the regular account is deducted in real time based on the funding gap, and a queue message and database transaction data are generated.

4. The method according to claim 1, characterized in that Before the step of asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data, the step further includes: An abnormal protection mechanism is set up, and the abnormal protection mechanism is used to asynchronously handle abnormal situations in the interest settlement of fixed-term account deposits.

5. The method according to claim 4, characterized in that The step of asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data comprises: Asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data, and settling the deposit interest settlement of the fixed-term account to the current account; Real-time monitoring of whether there are any abnormalities in the asynchronous processing of interest settlement of fixed deposit accounts; If the abnormal situation occurs during the asynchronous processing of interest settlement of fixed-term account deposits, the abnormal protection mechanism will be triggered.

6. The method according to claim 5, characterized in that If the abnormal situation occurs during the asynchronous processing of interest settlement of fixed deposit accounts, the step of triggering the abnormal guarantee mechanism includes: Record the number of abnormal situations that occur during the asynchronous processing of interest settlement of fixed deposit accounts; If the number of abnormal situations exceeds the preset threshold, the abnormal protection mechanism will be triggered and intervention will be requested.

7. The method according to claim 1, characterized in that After the step of asynchronously processing the deposit interest settlement of the fixed-term account through the queue message and the database transaction data, the step further includes: updating the available balance of the current account and the linkage balance of the fixed deposit account, and performing an account transaction check based on the available balance; Through the account transaction check polling, determine the products that meet the purchase conditions and make regular deposits to open an account.

8. A linkage payment device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the linkage payment method according to any one of claims 1 to 7.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the linkage payment method according to any one of claims 1 to 7 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the linked payment method according to any one of claims 1 to 7 are implemented.

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