Banking system online account concurrent transaction method based on summary bookkeeping

Abstract

The invention relates to the technical field of account bookkeeping, in particular to a bank system online account concurrent transaction implementation method based on summary bookkeeping. The method comprises the following steps: judging whether a current transaction relates to a hotspot account or not; if it is determined that the current transaction relates to the hotspot account, a definite transaction detail registration book is created, and a flag bit is set; creating a plurality of shadow accounts corresponding to the hotspot account; after the existing shadow account is inquired, bookkeeping is carried out on the shadow account, and the transaction amount, the loan direction and the account balance of the shadow account are synchronously updated; and setting a timed automatic task, and carrying out accounting processing on a non-posted hotspot account transaction every hour, the accounting processing comprising: locking a non-posted record, then calculating a total amount, posting in a hotspot account, reducing the amount of a shadow account, setting a flag bit of the non-posted record to be posted and unlocking. According to the method, the transaction time of the hotspot account can be effectively reduced, so that the resource utilization rate of a financial transaction system is improved.

Description

Technical Field

[0001] The embodiments of the present application relate to the technical field of account bookkeeping, and in particular to a method for concurrent transactions of online accounts in a banking system based on aggregate bookkeeping. Background Art

[0002] With the advent of the data age, financial transaction systems are facing the problem of a dramatic increase in the number of transactions. When data is transferred out of an account, or when data is transferred into an account, the account will receive an accounting request and there will be an accounting process. Accounting processing is highly transactional. During accounting processing, the account resources will be locked first. After the accounting process is completed, the lock will be automatically released. The execution result is either a successful transaction or a failed rollback. For platform-level accounts such as collection and payment, service fees, etc., the more requests for modifying the same account at the same time, the more frequent locking and unlocking operations will be generated. These accounts will become hot accounts. Generally, the transaction time of hot accounts is longer, which reduces the resource utilization of the financial transaction system as a whole. In addition, because the financial transaction system has restrictions on the time of a single transaction, hot accounts may cause transaction timeouts. Summary of the invention

[0003] One purpose of an embodiment of the present application is to provide a concurrent transaction method for online accounts in a banking system based on aggregated accounting, so as to solve the technical problem in the related art that the transaction time of hot accounts is long, which reduces the resource utilization of the financial transaction system as a whole.

[0004] In a first aspect, an embodiment of the present application provides a method for concurrent transactions of online accounts in a banking system based on aggregated accounting, comprising:

[0005] Determine whether the current transaction involves a hotspot account;

[0006] If it is determined that the current transaction involves a hotspot account, a transaction detail register is created and a flag is set. The transaction detail register is used to record the account details when the online real-time transaction is registered. The flag is set to unaccounted by default.

[0007] Create multiple shadow accounts corresponding to the hotspot accounts, the shadow accounts are set to be hidden, and set up a shadow account register for the hotspot accounts, the account register is used to record the hotspot accounts, sequence numbers, transaction amounts, transaction debit and credit directions, and account balance information. When an account transaction occurs, a preset random number generation function is used to obtain a random number as a sequence number, and a shadow account record is queried or added in the shadow account register according to the sequence number and an accounting process is performed;

[0008] After finding out that a shadow account already exists, the shadow account is recorded, and the transaction amount, debit and credit direction, and account balance of the shadow account are updated synchronously;

[0009] A scheduled automatic task is set to record the unrecorded hotspot account transactions every hour. The accounting process includes: querying all unrecorded records of the hotspot account, verifying the correctness of the amount according to the transaction details and the transaction amounts of all shadow accounts, locking the unrecorded records and calculating the total amount, recording one amount in the hotspot account, reducing the amount of the shadow account, setting the flag of the unrecorded record to recorded and unlocking it.

[0010] In combination with the first aspect, in a possible implementation, the hot accounts include but are not limited to platform-level accounts for collection and payment, service fees, and accounts that receive a large number of modification requests at the same time and generate frequent locking and unlocking operations.

[0011] In combination with the first aspect, in a possible implementation, the transaction detail register registers account details through an insert operation and supports high concurrency.

[0012] In combination with the first aspect, in a possible implementation, the sequence numbers in the shadow account register are numbers from 0 to 9.

[0013] In combination with the first aspect, in a possible implementation, when the shadow account is recorded, it is updated according to the update rules of the transaction amount, debit and credit direction, and account balance.

[0014] In combination with the first aspect, in a possible implementation, the scheduled automatic task verifies the correctness of the amount by determining whether the total amount calculated by the transaction details is consistent with the total amount calculated by the shadow account transaction amount.

[0015] In combination with the first aspect, in a possible implementation, the hotspot account is aggregated by a scheduled automatic task that aggregates and calculates unaccounted records and updates the hotspot account and the shadow account in an hourly cycle.

[0016] In a second aspect, an embodiment of the present application provides a banking system online account concurrent transaction device based on aggregated accounting, the device comprising:

[0017] Data judgment module, used to judge whether the transaction involves a hotspot account;

[0018] A data selection module, for creating a transaction detail register and setting a flag if it is determined that the current transaction involves a hotspot account. The transaction detail register is used to record the account details when the online real-time transaction is registered, and the flag is set to be unaccounted by default;

[0019] A data creation module is used to create multiple shadow accounts corresponding to the hotspot accounts, the shadow accounts are set to be hidden, and a shadow account register for the hotspot accounts is established. The account register is used to record the hotspot account, sequence number, transaction amount, transaction debit and credit direction, and account balance information. When an account transaction occurs, a preset random number generation function is used to obtain a random number as a sequence number, and a shadow account record is queried or added in the shadow account register according to the sequence number and an accounting process is performed;

[0020] The bookkeeping module is used to bookkeeping the shadow account after finding out that there is an existing shadow account, and to synchronously update the transaction amount, debit and credit direction, and account balance of the shadow account;

[0021] The timing processing module is used to set a timing automatic task, and performs accounting processing on the unaccounted hotspot account transactions every hour. The accounting processing includes: querying all unaccounted records of the hotspot account, verifying the correctness of the amount according to the transaction details and the transaction amounts of all shadow accounts, locking the unaccounted records and calculating the total amount, accounting the hotspot account in one transaction, reducing the amount of the shadow account at the same time, setting the flag of the unaccounted record to accounted and unlocking it.

[0022] In a third aspect, an embodiment of the present application provides an electronic device, comprising a memory and a processor, wherein the memory is connected to the processor, and the processor is used to execute one or more computer programs stored in the memory. When the processor executes the one or more computer programs, the electronic device implements the method described in any one of the first aspects above.

[0023] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor executes any of the methods described above.

[0024] The embodiments of the present application can achieve the following technical effects:

[0025] 1. Shorten the time of a single transaction: Reduce the transaction time of hot accounts. By delaying the processing of hot account transactions and updating shadow accounts, the waiting time for accounting transactions can be greatly shortened, thereby shortening the transaction time.

[0026] 2. Improve system resource utilization: Through intelligent and precise matching, this method can accurately determine the frequency of transactions. The financial transaction system can use resources more efficiently, reduce the interaction between transactions and databases, avoid waste of resources, and reduce the utilization rate of hardware equipment. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments of the present application will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0028] Figure 1 A flowchart of a method for concurrent transactions of online accounts in a banking system based on aggregated accounting provided in an embodiment of the present application;

[0029] Figure 2 A schematic diagram of a vertex displacement direction provided in an embodiment of the present application;

[0030] Figure 3 It is a structural schematic diagram of a bank system online account concurrent transaction device based on summary accounting provided by an embodiment of the present application;

[0031] Figure 4 It is a structural schematic diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0032] In order to make the purpose, technical solutions and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not intended to limit the present application. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application.

[0033] It should be noted that, if there is no conflict, the various features in the embodiments of the present application can be combined with each other, all within the scope of protection of the present application. In addition, although the functional module division is performed in the device schematic diagram and the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in a sequence different from the module division in the device or the flow chart. Furthermore, the words "first", "second", "third", etc. used in this application do not limit the data and execution order, but only distinguish the same items or similar items with basically the same functions and effects.

[0034] In the first place, see Figure 1 The embodiment of the present application provides a method for concurrent transactions of online accounts in a banking system based on aggregated accounting. Figure 1 is a flow chart of the method, the method comprising:

[0035] Step S10, determining whether the current transaction involves a hotspot account;

[0036] Step S20, if it is determined that the current transaction involves a hotspot account, a transaction detail register is created and a flag is set, wherein the transaction detail register is used to record account details when online real-time transactions are registered, and the flag is set to be unaccounted by default;

[0037] Step S30, creating multiple shadow accounts corresponding to the hotspot accounts, the shadow accounts are set to be hidden, and a shadow account register for the hotspot accounts is established, the account register is used to record the hotspot accounts, sequence numbers, transaction amounts, transaction debit and credit directions, and account balance information. When an account transaction occurs, a preset random number generation function is used to obtain a random number as a sequence number, and a shadow account record is queried or added in the shadow account register according to the sequence number and an accounting process is performed;

[0038] Step S40, after finding out that there is an existing shadow account, record the shadow account and synchronously update the transaction amount, debit and credit direction, and account balance of the shadow account;

[0039] Step S50, setting a scheduled automatic task to perform accounting processing on the unrecorded hotspot account transactions every hour, the accounting processing includes: querying all unrecorded records of the hotspot account, verifying the correctness of the amount according to the transaction details and the transaction amounts of all shadow accounts, locking the unrecorded records and calculating the total amount, recording one amount into the hotspot account, reducing the amount of the shadow account at the same time, setting the flag of the unrecorded record to recorded and unlocking it.

[0040] In this embodiment, the hot accounts include, but are not limited to, platform-level accounts for collection and payment, service fees, and accounts that receive a large number of modification requests at the same time and generate frequent locking and unlocking operations.

[0041] In this embodiment, the transaction detail register registers account details through insert operations and supports high concurrency.

[0042] In this embodiment, the sequence numbers in the shadow account register are numbers from 0 to 9.

[0043] In this embodiment, when the shadow account is recorded, it is updated according to the update rules of transaction amount, debit and credit direction, and account balance.

[0044] In this embodiment, the scheduled automatic task verifies the correctness of the amount by determining whether the total amount calculated by the transaction details is consistent with the total amount calculated by the shadow account transaction amount.

[0045] In this embodiment, the hotspot account is aggregated in a timed automatic task that aggregates and calculates the unaccounted records and updates the hotspot account and the shadow account in an hourly cycle.

[0046] For further information, please refer to Figure 2 , Figure 2 Another flow chart provided for the embodiment of the present application is as follows: Figure 2 As shown, first, the system will judge each current transaction to determine whether it involves a hot account. Hot accounts include but are not limited to platform-level accounts for collection and payment, service fees, and accounts that have a large number of modification requests at the same time and frequently lock and unlock operations;

[0047] If it is determined that the current transaction involves a hotspot account, a transaction details register is created. This register registers account details through the insert operation. This operation supports high concurrency and is used to record account details during online real-time transactions. At the same time, a flag is set, and the flag defaults to not being recorded.

[0048] Create multiple shadow accounts corresponding to hot accounts, and each shadow account is set to a hidden state and is not visible to customers. Set up a shadow account register for hot accounts, which records the hot account, sequence number (sequence number is a number from 0 to 9), transaction amount, transaction debit and credit direction, and account balance information. When an account transaction occurs, use the preset random number generation function to obtain a random number as the sequence number, and query or add a shadow account record in the shadow account register based on the sequence number and perform accounting processing. When accounting for shadow accounts, strictly follow the update rules for transaction amount, debit and credit direction, and account balance to accurately update.

[0049] At the same time, set up a scheduled automatic task to record the unrecorded hotspot account transactions every hour. Specific operations include: querying all unrecorded records of hotspot accounts; verifying the correctness of the amount according to the transaction details and the transaction amounts of all shadow accounts, and verifying whether the total amount calculated by the transaction details is consistent with the total amount calculated by the shadow account transaction amount. If they are inconsistent, the corresponding error handling mechanism is triggered; after locking the unrecorded records (using a mutex mechanism to prevent data conflicts), the total amount is calculated and recorded in one account to the hotspot account, while reducing the amount of the shadow account, and finally setting the flag of the unrecorded record to recorded and unlocked. The hotspot account is summarized by a scheduled automatic task according to a cycle of one hour, which summarizes and calculates the unrecorded records and updates the hotspot account and shadow account, ensuring the integrity and accuracy of the data during the update process.

[0050] The complete method proposed based on this embodiment can shorten the time of a single transaction and improve transaction processing efficiency. At the same time, it can also effectively improve the utilization rate of system resources, reduce the number of interactions with the database, and avoid waste of resources.

[0051] In a second aspect, the embodiment of the present application also proposes a concurrent transaction device for online accounts in a banking system based on aggregated accounting.

[0052] See also Figure 3 This embodiment proposes a bank system online account concurrent transaction device based on summary accounting, including:

[0053] The data determination module 310 is used to determine whether the current transaction involves a hotspot account;

[0054] The data selection module 320 is used to create a transaction detail register and set a flag bit if it is determined that the current transaction involves a hotspot account. The transaction detail register is used to record the account details when registering online real-time transactions. The flag bit defaults to not being recorded.

[0055] The data creation module 330 is used to create multiple shadow accounts corresponding to the hotspot accounts, the shadow accounts are set to be hidden, and a shadow account register for the hotspot accounts is established. The account register is used to record the hotspot account, sequence number, transaction amount, transaction debit and credit direction, and account balance information. When an account transaction occurs, a preset random number generation function is used to obtain a random number as a sequence number, and a shadow account record is queried or added in the shadow account register according to the sequence number and an accounting process is performed;

[0056] The accounting module 340 is used to record the shadow account after finding out that there is an existing shadow account, and to update the transaction amount, debit and credit direction, and account balance of the shadow account synchronously;

[0057] The timing processing module 350 is used to set a timing automatic task to perform accounting processing on the unaccounted hotspot account transactions every hour. The accounting processing includes: querying all unaccounted records of the hotspot account, verifying the correctness of the amount according to the transaction details and the transaction amounts of all shadow accounts, locking the unaccounted records and calculating the total amount, accounting for the hotspot account in one transaction, reducing the amount of the shadow account at the same time, setting the flag of the unaccounted record to accounted and unlocking it.

[0058] As a feasible implementation method, the hotspot accounts include but are not limited to platform-level accounts for collection and payment, service fees, and accounts that receive a large number of modification requests at the same time and generate frequent locking and unlocking operations.

[0059] As a feasible implementation method, the transaction detail register registers account details through insert operations and supports high concurrency.

[0060] As a feasible implementation method, the sequence numbers in the shadow account register are numbers from 0 to 9.

[0061] As a feasible implementation method, when the shadow account is recorded, it is updated according to the update rules of transaction amount, debit and credit direction, and account balance.

[0062] As a feasible implementation method, the scheduled automatic task verifies the correctness of the amount by determining whether the total amount calculated by the transaction details is consistent with the total amount calculated by the shadow account transaction amount.

[0063] As a feasible implementation method, the hotspot account is aggregated by a scheduled automatic task that aggregates and calculates the unaccounted records and updates the hotspot account and the shadow account according to a period of one hour.

[0064] In some embodiments, the above-mentioned device can also be constructed by hardware devices, for example, it can be constructed by one or more chips, and each chip can work in coordination with each other to complete the methods described in each of the above embodiments. For another example, the above-mentioned device can also be constructed by various logic devices, such as a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), a single-chip microcomputer, an ARM (Acorn RISC Machine) or other programmable logic devices, discrete gates or transistor logic, discrete hardware components, or any combination of these components.

[0065] It should be noted that the above device can execute the bank system online account concurrent transaction method based on summary accounting provided in the embodiment of the present application, and has the corresponding functional modules and beneficial effects of the execution method. For technical details not fully described in the embodiment of the bank system online account concurrent transaction device based on summary accounting, please refer to the bank system online account concurrent transaction method based on summary accounting provided in the embodiment of the present application.

[0066] See also Figure 4 , Figure 4 4 is a schematic diagram of the structure of an electronic device 400 provided in an embodiment of the present application. The electronic device 400 includes one or more processors 41 and a memory 42. The memory 42 is connected to the one or more processors 41, for example, connected to the processor 41 through a bus.

[0067] The processor 41 is configured to support the electronic device 400 to perform the corresponding functions in the method in the above method embodiment. The processor 41 can be a central processing unit (CPU), a network processor (NP), a hardware chip or any combination thereof. The above hardware chip can be an application specific integrated circuit (ASIC), a programmable logic device (PLD) or a combination thereof. The above PLD can be a complex programmable logic device (CPLD), a field-programmable gate array (FPGA), a generic array logic (GAL) or any combination thereof.

[0068] The memory 42 is used to store program codes, etc. The memory may include a volatile memory (VM), such as a random access memory (RAM); the memory may also include a non-volatile memory (NVM), such as a read-only memory (ROM), a flash memory, a hard disk drive (HDD) or a solid-state drive (SSD); the memory 42 may also include a combination of the above-mentioned types of memory.

[0069] The memory 42 can be used to store non-volatile software programs, non-volatile computer executable programs and modules, such as program instructions / modules corresponding to the method for concurrent transactions of online accounts in a bank system based on aggregated accounting in the embodiment of the present application. The processor 41 executes various functional applications and data processing of the method for concurrent transactions of online accounts in a bank system based on aggregated accounting and the device for concurrent transactions of online accounts in a bank system based on aggregated accounting by running the non-volatile software programs, instructions and modules stored in the memory 42, that is, to realize the functions of various modules or units of the method for concurrent transactions of online accounts in a bank system based on aggregated accounting and the device for concurrent transactions of online accounts in a bank system based on aggregated accounting provided in the above method embodiment.

[0070] The memory 42 may include a program storage area and a data storage area, wherein the program storage area may store an operating system and application programs required for at least one function. The data storage area may store data created based on the use of the bank system online account concurrent transaction device based on aggregated accounting, etc. In some embodiments, the memory 42 may optionally include a memory remotely arranged relative to the processor 41, and these remote memories may be connected to the bank system online account concurrent transaction device based on aggregated accounting via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0071] One or more modules are stored in the memory 42. When executed by one or more processors 41, the concurrent transaction method for online accounts in a banking system based on aggregated accounting in any of the above-mentioned method embodiments is executed. For example, the method steps described in the above-mentioned method embodiments are executed to realize the functions of the modules described in the above-mentioned device embodiments.

[0072] An embodiment of the present application further provides a computer-readable storage medium, which stores a computer program. The computer program includes program instructions. When the program instructions are executed by a computer, the computer executes the method of the aforementioned embodiment.

[0073] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium, and when the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the storage medium can be a disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.

[0074] The above disclosure is only the preferred embodiment of the present application, which certainly cannot be used to limit the scope of rights of the present application. Therefore, equivalent changes made according to the claims of the present application are still within the scope covered by the present application.

Claims

1. A method for concurrent transactions of online accounts in a banking system based on aggregated accounting, characterized in that: The following steps are involved: Determine whether the current transaction involves a hotspot account; If it is determined that the current transaction involves a hotspot account, a transaction detail register is created and a flag is set. The transaction detail register is used to record the account details when the online real-time transaction is registered. The flag is set to unaccounted by default. Create multiple shadow accounts corresponding to the hotspot accounts, the shadow accounts are set to be hidden, and set up a shadow account register for the hotspot accounts, the account register is used to record the hotspot accounts, sequence numbers, transaction amounts, transaction debit and credit directions, and account balance information. When an account transaction occurs, a preset random number generation function is used to obtain a random number as a sequence number, and a shadow account record is queried or added in the shadow account register according to the sequence number and an accounting process is performed; After finding out that a shadow account already exists, the shadow account is recorded, and the transaction amount, debit and credit direction, and account balance of the shadow account are updated synchronously; A scheduled automatic task is set to record the unrecorded hotspot account transactions every hour. The accounting process includes: querying all unrecorded records of the hotspot account, verifying the correctness of the amount according to the transaction details and the transaction amounts of all shadow accounts, locking the unrecorded records and calculating the total amount, recording one amount in the hotspot account, reducing the amount of the shadow account, setting the flag of the unrecorded record to recorded and unlocking it.

2. The method for concurrent transactions of online accounts in a banking system based on aggregated accounting according to claim 1, characterized in that: The hot accounts include, but are not limited to, platform-level accounts for collection and payment, service fees, and accounts that receive a large number of modification requests at the same time and generate frequent locking and unlocking operations.

3. The method for concurrent transactions of online accounts in a banking system based on aggregated accounting according to claim 1, characterized in that: The transaction details register records account details through insert operations and supports high concurrency.

4. The method for concurrent transactions of online accounts in a banking system based on aggregated accounting according to claim 1, characterized in that: The sequence numbers in the shadow account register are numbers from 0 to 9.

5. The method for concurrent transactions of online accounts in a banking system based on aggregated accounting according to claim 1, characterized in that: When the shadow account is recorded, it is updated according to the update rules of transaction amount, debit and credit direction, and account balance.

6. The method for concurrent transactions of online accounts in a banking system based on aggregated accounting according to claim 1, characterized in that: The scheduled automatic task verifies the correctness of the amount by determining whether the total amount calculated by the transaction details is consistent with the total amount calculated by the shadow account transaction amount.

7. The method for concurrent transactions of online accounts in a banking system based on aggregated accounting according to claim 1, characterized in that: The hotspot account aggregation method is that a scheduled automatic task aggregates and calculates the unaccounted records and updates the hotspot account and the shadow account according to a cycle of each hour.

8. A concurrent transaction device for online accounts in a banking system based on summary accounting, characterized in that: include: Data judgment module, used to judge whether the current transaction involves a hotspot account; A data selection module, for creating a transaction detail register and setting a flag if it is determined that the current transaction involves a hotspot account. The transaction detail register is used to record the account details when the online real-time transaction is registered, and the flag is set to be unaccounted by default; A data creation module is used to create multiple shadow accounts corresponding to the hotspot accounts, the shadow accounts are set to be hidden, and a shadow account register for the hotspot accounts is established. The account register is used to record the hotspot account, sequence number, transaction amount, transaction debit and credit direction, and account balance information. When an account transaction occurs, a preset random number generation function is used to obtain a random number as a sequence number, and a shadow account record is queried or added in the shadow account register according to the sequence number and an accounting process is performed; The bookkeeping module is used to bookkeeping the shadow account after finding out that there is an existing shadow account, and to synchronously update the transaction amount, debit and credit direction, and account balance of the shadow account; The timing processing module is used to set a timing automatic task, and performs accounting processing on the unaccounted hotspot account transactions every hour. The accounting processing includes: querying all unaccounted records of the hotspot account, verifying the correctness of the amount according to the transaction details and the transaction amounts of all shadow accounts, locking the unaccounted records and calculating the total amount, accounting the hotspot account in one transaction, reducing the amount of the shadow account at the same time, setting the flag of the unaccounted record to accounted and unlocking it.

9. An electronic device, characterized in that: The electronic device comprises a memory and a processor, wherein the memory is connected to the processor, and the processor is used to execute one or more computer programs stored in the memory, and when the processor executes the one or more computer programs, the electronic device implements the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor is caused to perform the method according to any one of claims 1 to 7.

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