Request response method and device
By using a cross-border pooling mechanism to identify and allocate domestic account resources when overseas account resources are insufficient, the problem of low transaction efficiency is solved, and efficient transactions that can flexibly adapt to transaction needs are achieved.
Patent Information
- Application Number
- CN202511182359.X
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-08-22
- Publication Date
- 2025-11-25
AI Technical Summary
When overseas account resources are insufficient, existing technologies cannot flexibly adapt to the trading needs of different trading parties, resulting in low trading efficiency.
The cross-border pooling mechanism identifies domestic accounts associated with overseas accounts and executes resource allocation instructions based on resource quantity and priority, transferring resources from domestic accounts to overseas accounts to fulfill transaction requests.
When overseas account resources are insufficient, the cross-border pool mechanism enables efficient transactions, flexibly adapts to the needs of different trading parties, and improves transaction efficiency.
Smart Images
Figure CN121010445A_ABST
Abstract
Description
Technical Field
[0001] This invention relates to the field of big data processing technology, and in particular to a request-response method and apparatus. Background Technology
[0002] In overseas transactions, if the resources in the overseas account can meet the transaction requirements, the transaction is completed based on those resources. If the resources in the overseas account cannot meet the transaction request, the transaction fails. The company then re-enters the transaction by coordinating resources with multiple parties in the domestic account. Therefore, when the resources in the overseas account cannot meet the transaction request, the transaction efficiency is low, and it cannot flexibly adapt to the transaction needs of different parties. Summary of the Invention
[0003] In view of this, embodiments of the present invention provide a request response method and apparatus that have high transaction efficiency even when the resources in an overseas account cannot meet the transaction request, and can flexibly adapt to the transaction needs of different trading parties.
[0004] In a first aspect, embodiments of the present invention provide a request-response method, including:
[0005] Receive a transaction request for an overseas account and determine whether the resources in the overseas account satisfy the transaction request;
[0006] In response to the fact that the resources in the overseas account do not meet the transaction request, determine whether the overseas account has a corresponding cross-border pool and the target function is enabled;
[0007] In response to the fact that the overseas account has a cross-border pool and the target function is enabled, at least one domestic account associated with the overseas account is determined from the cross-border pool;
[0008] Determine the allocation of resources for the overseas account in response to the transaction request, and determine the allocation account from the at least one domestic account based on the amount of allocated resources and the priority level of each domestic account.
[0009] Execute a resource allocation instruction; wherein the resource allocation instruction is used to transfer allocated resources from the allocation account to the overseas account;
[0010] The overseas account, after resource allocation processing, responds to the transaction request.
[0011] Optionally, determining whether the resources in the overseas account satisfy the transaction request includes:
[0012] If the number of available resources in the overseas account is not less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account satisfy the transaction request;
[0013] If the number of available resources in the overseas account is less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account do not meet the transaction request.
[0014] Optionally, determining at least one domestic account associated with the overseas account from the cross-border pool includes:
[0015] Determine the contract information of the overseas account for the target function;
[0016] Based on the contract information, at least one contract account corresponding to the overseas account is identified;
[0017] In response to the contract account being in the cross-border pool, the contract account is identified as a domestic account associated with the overseas account.
[0018] Optionally, determining at least one domestic account associated with the overseas account from the cross-border pool includes:
[0019] Obtain the account opening institution corresponding to the overseas account;
[0020] Determine the organizational structure information corresponding to the account opening institution;
[0021] Based on the organizational structure information, at least one superior organization corresponding to the account opening institution is determined;
[0022] In response to the fact that the institutional account corresponding to the superior institution is in the cross-border pool, the institutional account corresponding to the superior institution is identified as the domestic account associated with the overseas account.
[0023] Optionally, determining the allocation account from the at least one domestic account based on the amount of allocated resources and the priority level of each domestic account includes:
[0024] Based on the priority level of each of the domestic accounts, the current account is determined from the at least one domestic account;
[0025] Determine the resource limit for the current account in relation to the allocated resources;
[0026] In response to the resource limit being not less than the resource quantity, the current account is determined as the allocation account;
[0027] In response to the resource limit being less than the resource quantity, it is determined whether there is a next account for the current account among the at least one domestic account, based on the priority level of each domestic account.
[0028] Optionally, after determining whether there is a next account for the current account among the at least one domestic account based on the priority level of each domestic account, the method further includes:
[0029] In response to the existence of a next account for the current account, the next account is identified as the current account, and it is determined whether the resource limit corresponding to the current account is less than the resource quantity;
[0030] In response to the absence of a next account for the current account, it is determined that no next account exists; a message indicating that the transaction request has failed is sent.
[0031] Optionally, after executing the resource allocation instruction, the method further includes:
[0032] In response to receiving the execution success information corresponding to the resource allocation instruction within a preset time period, the resource limit of the allocation account for the allocated resource is modified according to the resource quantity of the allocated resource;
[0033] In response to receiving execution failure information corresponding to the resource allocation instruction within a preset time period, a rollback operation is performed on the resource allocation instruction;
[0034] If the execution success information and the execution failure information are not received within a preset time period, a prompt message indicating that the status of the resource allocation instruction is uncertain is generated.
[0035] Secondly, embodiments of the present invention provide a request-response device, comprising:
[0036] The request receiving module is used to receive transaction requests for overseas accounts and determine whether the resources in the overseas account meet the transaction request.
[0037] The function determination module is used to determine whether the overseas account has a cross-border pool and the target function is enabled in response to the fact that the resources in the overseas account do not meet the transaction request.
[0038] The account determination module is used to determine at least one domestic account associated with the overseas account from the cross-border pool in response to the fact that the overseas account has a corresponding cross-border pool and the target function is activated.
[0039] The allocation determination module is used to determine the allocation resources of the overseas account for the transaction request, and to determine the allocation account from the at least one domestic account based on the amount of the allocation resources and the priority level of each domestic account.
[0040] The instruction execution module is used to execute resource allocation instructions; wherein, the resource allocation instructions are used to transfer allocated resources from the allocation account to the overseas account;
[0041] The request-response module is used to respond to the transaction request using the overseas account after resource allocation processing.
[0042] Optionally, the request receiving module is specifically used for:
[0043] If the number of available resources in the overseas account is not less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account satisfy the transaction request;
[0044] If the number of available resources in the overseas account is less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account do not meet the transaction request.
[0045] Optionally, the account determination module is specifically used for:
[0046] Determine the contract information of the overseas account for the target function;
[0047] Based on the contract information, at least one contract account corresponding to the overseas account is identified;
[0048] In response to the contract account being in the cross-border pool, the contract account is identified as a domestic account associated with the overseas account.
[0049] Optionally, the account determination module is specifically used for:
[0050] Obtain the account opening institution corresponding to the overseas account;
[0051] Determine the organizational structure information corresponding to the account opening institution;
[0052] Based on the organizational structure information, at least one superior organization corresponding to the account opening institution is determined;
[0053] In response to the fact that the institutional account corresponding to the superior institution is in the cross-border pool, the institutional account corresponding to the superior institution is identified as the domestic account associated with the overseas account.
[0054] Optionally, the down-call determination module is specifically used for:
[0055] Based on the priority level of each of the domestic accounts, the current account is determined from the at least one domestic account;
[0056] Determine the resource limit for the current account in relation to the allocated resources;
[0057] In response to the resource limit being not less than the resource quantity, the current account is determined as the allocation account;
[0058] In response to the resource limit being less than the resource quantity, it is determined whether there is a next account for the current account among the at least one domestic account, based on the priority level of each domestic account.
[0059] Thirdly, embodiments of the present invention provide an electronic device, including:
[0060] One or more processors;
[0061] A storage device for storing one or more programs that, when executed by one or more processors, cause the one or more processors to perform the method described in any of the above embodiments.
[0062] Fourthly, embodiments of the present invention provide a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the methods described in any of the above embodiments.
[0063] Fifthly, embodiments of the present invention provide a computer program product, including a computer program that, when executed by a processor, implements the methods described in any of the above embodiments.
[0064] One embodiment of the above invention has the following advantages or beneficial effects: When resources in the overseas account are insufficient to meet the transaction request, if the overseas account corresponds to a cross-border pool and the target function is enabled, the corresponding allocation account for the overseas account is determined from the cross-border pool. A resource allocation instruction is executed to transfer the allocated resources from the allocation account to the overseas account. The overseas account, after resource allocation processing, responds to the transaction request. Therefore, even when resources in the overseas account are insufficient to meet the transaction request, it still has high execution efficiency and can complete the transaction normally, thus flexibly adapting to the transaction needs of different trading parties.
[0065] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description
[0066] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:
[0067] Figure 1 This is a flowchart illustrating a request-response method provided in the first embodiment of the present invention;
[0068] Figure 2 This is a flowchart illustrating a request-response method provided in the second embodiment of the present invention;
[0069] Figure 3 This is a flowchart illustrating a request-response method provided in the third embodiment of the present invention;
[0070] Figure 4 This is a schematic diagram of the structure of a request response device provided in an embodiment of the present invention;
[0071] Figure 5 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation
[0072] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.
[0073] The acquisition, transmission, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.
[0074] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.
[0075] Figure 1 This is a flowchart illustrating a request-response method provided in the first embodiment of the present invention, as shown below. Figure 1 As shown, the method includes:
[0076] Step 101: Receive transaction requests for overseas accounts and determine whether the resources in the overseas accounts meet the transaction request requirements.
[0077] Transaction requests specify the items to be traded, the transaction amount, etc. Overseas accounts correspond to domestic accounts. An overseas account is an account opened overseas. A domestic account is an account opened domestically.
[0078] Resources in the overseas account may not be able to fulfill the transaction request. Specifically, if the number of available resources in the overseas account is not less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account fulfill the transaction request; if the number of available resources in the overseas account is less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account do not fulfill the transaction request.
[0079] If the amount of available resources in the overseas account is not less than the amount of resources corresponding to the transaction request, then the resources in the overseas account are sufficient to meet the transaction request, and the available resources in the overseas account can be used directly to respond to the transaction request. If the amount of available resources in the overseas account is less than the amount of resources corresponding to the transaction request, then the resources in the overseas account are insufficient to meet the transaction request, and resource allocation to the overseas account is required before the transaction request can be responded to.
[0080] Step 102: In response to the fact that the resources in the overseas account do not meet the transaction request, determine whether the overseas account has a corresponding cross-border pool and the target function is enabled.
[0081] The cross-border pool includes multiple overseas accounts and their associated domestic accounts. Target functions can include linked payment functions, wallet functions, etc. If an overseas account corresponds to a cross-border pool and the target function is enabled, resources can be allocated to that overseas account.
[0082] Step 103: In response to the fact that the overseas account has a cross-border pool and the target function is enabled, identify at least one domestic account associated with the overseas account from the cross-border pool.
[0083] If an overseas account is linked to a domestic account, resources in the domestic account can be transferred to the overseas account.
[0084] In one embodiment of the present invention, determining at least one domestic account associated with an overseas account from a cross-border pool includes: determining contract information of the overseas account for a target function; determining at least one contract account corresponding to the overseas account based on the contract information; and determining the contract account as a domestic account associated with the overseas account in response to the contract account being in the cross-border pool.
[0085] Customers can register contract accounts corresponding to overseas accounts in the contract. Based on the contract information, at least one contract account corresponding to the overseas account is identified. If the contract account is in a cross-border pool and is a domestic account, then the contract account is identified as the domestic account associated with the overseas account.
[0086] In one embodiment of the present invention, determining at least one domestic account associated with an overseas account from a cross-border pool includes: obtaining the account opening institution corresponding to the overseas account; determining the organizational structure information corresponding to the account opening institution; determining at least one superior institution corresponding to the account opening institution based on the organizational structure information; and, in response to the superior institution's corresponding institutional account being in the cross-border pool, determining the superior institution's corresponding institutional account as the domestic account associated with the overseas account.
[0087] The organizational structure information includes the superior and subordinate institutions of the account-opening institution. If the superior institution of the overseas account-opening institution has an institutional account in the cross-border pool, then the institutional account corresponding to the superior institution will be identified as the domestic account associated with the overseas account. Resources can be allocated to the overseas account through the institutional account corresponding to the superior institution.
[0088] In one embodiment of the present invention, if the institutional account corresponding to the superior institution is in the cross-border pool, it is necessary to further determine whether the institutional account corresponding to the superior institution is a contract account of an overseas account. Only when the institutional account corresponding to the superior institution is in the cross-border pool, and the institutional account corresponding to the superior institution is a contract account of an overseas account, and the institutional account corresponding to the superior institution is a domestic account, is the institutional account corresponding to the superior institution determined to be a domestic account associated with an overseas account.
[0089] Step 104: Determine the allocation of resources for the overseas account in response to the transaction request. Based on the amount of allocation resources and the priority level of domestic accounts in each country, determine the allocation account from at least one domestic account.
[0090] If the resources in the overseas account are insufficient to meet the transaction request, resources need to be allocated to the overseas account to enable it to respond to the transaction request. The amount of resources allocated is equal to the difference between the amount of resources corresponding to the transaction request and the amount of available resources in the overseas account.
[0091] Based on the priority level of domestic accounts, the current account is determined sequentially from at least one domestic account, from highest to lowest priority. If the current account's resource limit for allocated resources is not less than the amount of resources to be allocated, then the current account is designated as the allocation account.
[0092] Step 105: Execute the resource allocation instruction; respond to the transaction request using the overseas account after resource allocation processing; wherein, the resource allocation instruction is used to transfer the allocated resources from the allocation account to the overseas account.
[0093] In this embodiment of the invention, if the resources in the overseas account do not meet the transaction request, and the overseas account has a corresponding cross-border pool and the target function is enabled, the corresponding allocation account for the overseas account is determined from the cross-border pool. A resource allocation instruction is executed to transfer the allocated resources from the allocation account to the overseas account. The overseas account, after resource allocation processing, responds to the transaction request. Even when the resources in the overseas account do not meet the transaction request, this method maintains high execution efficiency and can complete the transaction normally, thus flexibly adapting to the transaction needs of different trading parties.
[0094] This invention improves the wallet functionality based on the cross-border pool model. The balance in an overseas account's wallet can be transferred between overseas and domestic accounts in real time without requiring any localization. When an overseas account makes an outward payment, if the balance is insufficient, it checks if a cross-border pool agreement has been signed. If so, the domestic account of the parent institution is used as the overseas account's domestic account for resource allocation. The overseas account then makes the outward payment, linking overseas payment transactions with domestic cross-border pool transactions, thus achieving coordinated payment functionality between overseas and domestic accounts.
[0095] Domestic accounts can have resource limits and limit periods set. Within a certain period, the amount that a domestic account is allowed to allocate to an overseas account must be within the resource limit; if the limit is exceeded, the allocation will not be allowed. When a higher-level domestic account makes payments to a lower-level overseas account, an overseas exhibition can correspond to multiple domestic accounts. The domestic accounts will be checked one by one to see if they meet the resource limit conditions according to the pre-set priority level.
[0096] The customer signs up for the cross-border payment pool with their overseas account and activates the linked payment function for the overseas account, as well as the wallet function for their domestic account. When signing up with the cross-border payment pool, the customer registers their domestic and international accounts under the agreement and then selects to activate the linked payment function. When the overseas customer makes a payment and the balance is insufficient, the cross-border payment pool will request funds. The pool determines whether the overseas account has signed up and activated linked payment. If it has, it checks the balance of each corresponding domestic account to see if it meets the application requirements of the overseas account. If the domestic balance is sufficient and meets the resource limit, the funds in the domestic account are transferred to the overseas account through the wallet, and the overseas account completes the subsequent outward payment operation.
[0097] Figure 2 This is a flowchart illustrating a request-response method provided in the second embodiment of the present invention, as shown below. Figure 2 As shown, the method includes:
[0098] Step 201: Receive transaction requests for overseas accounts and determine whether the resources in the overseas accounts meet the transaction request requirements.
[0099] Step 202: In response to the fact that the resources in the overseas account do not meet the transaction request, determine whether the overseas account has a corresponding cross-border pool and the target function is enabled.
[0100] Step 203: In response to the fact that the overseas account has a cross-border pool and the target function is enabled, identify at least one domestic account associated with the overseas account from the cross-border pool.
[0101] Step 204: Determine the allocation of resources for the overseas account in response to the transaction request. Based on the priority level of domestic accounts, select the current account from at least one domestic account.
[0102] Step 205: Determine whether the current account's resource limit for allocating resources is less than the amount of resources to be allocated.
[0103] If the resource limit is not less than the resource quantity, proceed to step 206. If the resource limit is less than the resource quantity, proceed to step 208.
[0104] Step 206: Designate the current account as the receiving account.
[0105] Step 207: Execute the resource allocation instruction; respond to the transaction request using the overseas account after resource allocation processing; wherein, the resource allocation instruction is used to transfer the allocated resources from the allocation account to the overseas account.
[0106] Once the allocation account is determined, the resource allocation instruction is executed to transfer the allocated resources from the allocation account to the overseas account.
[0107] Step 208: Based on the priority level of domestic accounts, determine whether there is a next account for the current account among at least one domestic account.
[0108] If a next account exists for the current account, proceed to step 209. If no next account exists for the current account, proceed to step 210.
[0109] Step 209: Select the next account as the current account.
[0110] Repeat step 205 to determine if the current account can be identified as the receiving account.
[0111] Step 210: Send a message indicating that the request to represent the transaction failed.
[0112] In the embodiment of this invention, based on the priority level of domestic accounts, all domestic accounts corresponding to overseas accounts are traversed. If a resource allocation account for overseas accounts can be found, then that allocation account is used to perform resource allocation for the overseas accounts. If no allocation account for overseas accounts can be found, then resource allocation for the overseas accounts cannot be performed, and a request failure message indicating the transaction request is sent.
[0113] Figure 3 This is a flowchart illustrating a request-response method provided in the third embodiment of the present invention, as shown below. Figure 3 As shown, the method includes:
[0114] Step 301: Receive transaction requests for overseas accounts and determine whether the resources in the overseas accounts meet the transaction request requirements.
[0115] Step 302: In response to the fact that the resources in the overseas account do not meet the transaction request, determine whether the overseas account has a corresponding cross-border pool and the target function is enabled.
[0116] Step 303: In response to the fact that the overseas account has a cross-border pool and the target function is enabled, identify at least one domestic account associated with the overseas account from the cross-border pool.
[0117] Step 304: Determine the allocation of resources for the overseas account in response to the transaction request. Based on the amount of allocated resources and the priority level of domestic accounts, determine the allocation account from at least one domestic account.
[0118] Step 305: Execute the resource allocation instruction; wherein, the resource allocation instruction is used to transfer the allocated resources from the allocation account to the overseas account.
[0119] Step 306: In response to receiving the execution success information corresponding to the resource allocation instruction within the preset time period, modify the resource limit of the allocation account for the allocated resources according to the amount of resources allocated.
[0120] Upon receiving a successful execution message for a resource allocation instruction within a preset timeframe, the resource limit for the allocation account is modified based on the quantity of allocated resources. The new resource limit for the allocation account is obtained by subtracting the quantity of allocated resources from the current resource limit. Timely modification of the allocation account's resource limits ensures the controllability of its resources.
[0121] Step 307: In response to receiving the execution failure information corresponding to the resource allocation instruction within a preset time period, perform a rollback operation for the resource allocation instruction.
[0122] If a failure message is received for a resource allocation instruction within a preset time period, a rollback operation is performed on the resource allocation instruction. The rollback operation is used to undo the execution process and result of the resource allocation instruction. This rollback operation ensures the security of resources for the allocation account and overseas accounts.
[0123] Step 308: In response to the failure to receive execution success information and execution failure information within a preset time period, generate a prompt message indicating that the status of the resource allocation instruction is uncertain.
[0124] If no success or failure notification is received within the preset time period, a message indicating an uncertain status for the resource allocation instruction is generated. This message serves as a reminder to relevant personnel to promptly investigate the issue and ensure the security of accounts and funds.
[0125] Step 309: Response to transaction requests using the overseas account after resource allocation processing.
[0126] In the solution of this invention embodiment, after executing the resource allocation instruction, different process processing is performed for three situations: whether the execution success information is received within a preset time period and whether the execution failure information is received. This ensures that the business can be processed normally while further confirming the security of the resources in the account.
[0127] Figure 4 This is a schematic diagram of a request-response device according to an embodiment of the present invention, as shown below. Figure 4 As shown, the device includes:
[0128] The request receiving module 401 is used to receive transaction requests for overseas accounts and determine whether the resources in the overseas account meet the transaction request.
[0129] The function determination module 402 is used to determine whether the overseas account has a corresponding cross-border pool and the target function is enabled in response to the fact that the resources in the overseas account do not meet the transaction request.
[0130] Account determination module 403 is used to determine at least one domestic account associated with the overseas account from the cross-border pool in response to the overseas account having a corresponding cross-border pool and the target function being enabled.
[0131] The allocation determination module 404 is used to determine the allocation resources for overseas accounts in response to transaction requests. Based on the amount of allocation resources and the priority level of domestic accounts, the allocation account is determined from at least one domestic account.
[0132] The instruction execution module 405 is used to execute resource allocation instructions; wherein, the resource allocation instructions are used to transfer allocated resources from the allocation account to an overseas account;
[0133] The request-response module 406 is used to respond to transaction requests using overseas accounts that have undergone resource allocation processing.
[0134] Optionally, the request receiving module 401 is specifically used for:
[0135] If the number of available resources in the overseas account is not less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account meet the transaction request.
[0136] If the number of available resources in the overseas account is less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account do not meet the transaction request.
[0137] Optionally, the account confirmation module 403 is specifically used for:
[0138] Determine the contract information for the target function for overseas accounts;
[0139] Based on the contract information, identify at least one contract account corresponding to the overseas account;
[0140] In response to the contract account being in the cross-border pool, the contract account is identified as a domestic account associated with an overseas account.
[0141] Optionally, the account determination module 403 is specifically used for:
[0142] Obtain the account opening institution corresponding to the overseas account;
[0143] Determine the organizational structure information corresponding to the account opening institution;
[0144] Based on the organizational structure information, identify at least one superior organization corresponding to the account opening institution;
[0145] In response to the fact that the institutional account corresponding to the superior institution is in the cross-border pool, the institutional account corresponding to the superior institution will be identified as a domestic account associated with an overseas account.
[0146] Optionally, the down-issuance confirmation module 404 is specifically used for:
[0147] Based on the priority level of domestic accounts, the current account is determined from at least one domestic account;
[0148] Determine the resource limit for the current account regarding allocated resources;
[0149] In response to the resource limit being no less than the resource quantity, the current account will be designated as the allocation account;
[0150] In response to a resource limit being less than the resource quantity, determine whether there is a next account for the current account among at least one domestic account, based on the priority of each domestic account.
[0151] Optionally, the down-issuance confirmation module 404 is specifically used for:
[0152] In response to the existence of a next account for the current account, the next account is identified as the current account, and it is determined whether the resource limit corresponding to the current account is less than the resource quantity;
[0153] In response to the absence of a next account for the current account, and confirming that no next account exists, a message indicating that the transaction request failed is sent.
[0154] Optionally, the instruction execution module 405 is also used for:
[0155] In response to receiving the execution success information corresponding to the resource allocation instruction within a preset time period, modify the resource limit of the allocation account for the allocated resources according to the amount of resources allocated;
[0156] In response to receiving execution failure information corresponding to the resource allocation instruction within a preset time period, a rollback operation is performed on the resource allocation instruction;
[0157] If no success or failure information is received within a preset time period, a prompt message indicating that the status of the resource allocation instruction is uncertain is generated.
[0158] This invention provides an electronic device, comprising:
[0159] One or more processors;
[0160] A storage device for storing one or more programs that, when executed by one or more processors, cause the one or more processors to implement the methods of any of the above embodiments.
[0161] This invention provides a computer program product, including a computer program that, when executed by a processor, implements the request-response method of this invention.
[0162] The following is for reference. Figure 5 It shows a schematic diagram of the structure of a computer system 500 suitable for implementing a terminal device of the present invention. Figure 5 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.
[0163] like Figure 5 As shown, the computer system 500 includes a central processing unit (CPU) 501, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 502 or programs loaded from storage section 508 into random access memory (RAM) 503. The RAM 503 also stores various programs and data required for the operation of the system 500. The CPU 501, ROM 502, and RAM 503 are interconnected via a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.
[0164] The following components are connected to I / O interface 505: an input section 506 including a keyboard, mouse, etc.; an output section 507 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to I / O interface 505 as needed. A removable medium 511, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 510 as needed so that computer programs read from it can be installed into storage section 508 as needed.
[0165] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 509, and / or installed from removable medium 511. When the computer program is executed by central processing unit (CPU) 501, it performs the functions defined above in the system of this invention.
[0166] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.
[0167] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.
[0168] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor, and for example, can be described as: a request receiving module, a function determining module, an account determining module, a disbursement determining module, an instruction execution module, and a request response module. The names of these modules do not necessarily limit the module itself; for example, the request receiving module can also be described as "a module that receives transaction requests for overseas accounts and determines whether the resources in the overseas account satisfy the transaction request."
[0169] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs, which, when executed by the device, cause the device to include:
[0170] Receive a transaction request for an overseas account and determine whether the resources in the overseas account satisfy the transaction request;
[0171] In response to the fact that the resources in the overseas account do not meet the transaction request, determine whether the overseas account has a corresponding cross-border pool and the target function is enabled;
[0172] In response to the fact that the overseas account has a cross-border pool and the target function is enabled, at least one domestic account associated with the overseas account is determined from the cross-border pool;
[0173] Determine the allocation of resources for the overseas account in response to the transaction request, and determine the allocation account from the at least one domestic account based on the amount of allocated resources and the priority level of each domestic account.
[0174] Execute a resource allocation instruction; wherein the resource allocation instruction is used to transfer allocated resources from the allocation account to the overseas account;
[0175] The overseas account, after resource allocation processing, responds to the transaction request.
[0176] According to the technical solution of this invention, if the resources in the overseas account do not meet the transaction request, and the overseas account has a corresponding cross-border pool and the target function is enabled, the corresponding allocation account for the overseas account is determined from the cross-border pool. A resource allocation instruction is executed to transfer the allocated resources from the allocation account to the overseas account. The overseas account, after resource allocation processing, responds to the transaction request. Even when the resources in the overseas account do not meet the transaction request, it still has high execution efficiency and can complete the transaction normally, thus flexibly adapting to the transaction needs of different trading parties.
[0177] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.
Claims
1. A request-response method, characterized in that, include: Receive a transaction request for an overseas account and determine whether the resources in the overseas account satisfy the transaction request; In response to the fact that the resources in the overseas account do not meet the transaction request, determine whether the overseas account has a corresponding cross-border pool and the target function is enabled; In response to the fact that the overseas account has a cross-border pool and the target function is enabled, at least one domestic account associated with the overseas account is determined from the cross-border pool; Determine the allocation of resources for the overseas account in response to the transaction request, and determine the allocation account from the at least one domestic account based on the amount of allocated resources and the priority level of each domestic account. Execute a resource allocation instruction; wherein the resource allocation instruction is used to transfer allocated resources from the allocation account to the overseas account; The overseas account, after resource allocation processing, responds to the transaction request.
2. The method according to claim 1, characterized in that, Determining whether the resources in the overseas account satisfy the transaction request includes: If the number of available resources in the overseas account is not less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account satisfy the transaction request; If the number of available resources in the overseas account is less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account do not meet the transaction request.
3. The method according to claim 1, characterized in that, The step of identifying at least one domestic account associated with the overseas account from the cross-border pool includes: Determine the contract information of the overseas account for the target function; Based on the contract information, at least one contract account corresponding to the overseas account is identified; In response to the contract account being in the cross-border pool, the contract account is identified as a domestic account associated with the overseas account.
4. The method according to claim 1, characterized in that, The step of identifying at least one domestic account associated with the overseas account from the cross-border pool includes: Obtain the account opening institution corresponding to the overseas account; Determine the organizational structure information corresponding to the account opening institution; Based on the organizational structure information, at least one superior organization corresponding to the account opening institution is determined; In response to the fact that the institutional account corresponding to the superior institution is in the cross-border pool, the institutional account corresponding to the superior institution is identified as the domestic account associated with the overseas account.
5. The method according to claim 1, characterized in that, The step of determining the allocation account from the at least one domestic account based on the amount of allocated resources and the priority level of each domestic account includes: Based on the priority level of each of the domestic accounts, the current account is determined from the at least one domestic account; Determine the resource limit for the current account in relation to the allocated resources; In response to the resource limit being not less than the resource quantity, the current account is determined as the allocation account; In response to the resource limit being less than the resource quantity, it is determined whether there is a next account for the current account among the at least one domestic account, based on the priority level of each domestic account.
6. The method according to claim 5, characterized in that, After determining whether there is a next account for the current account among the at least one domestic account based on the priority level of each domestic account, the method further includes: In response to the existence of a next account for the current account, the next account is identified as the current account, and it is determined whether the resource limit corresponding to the current account is less than the resource quantity; In response to the absence of a next account for the current account, it is determined that no next account exists; a message indicating that the transaction request has failed is sent.
7. The method according to claim 1, characterized in that, After executing the resource allocation instruction, the method further includes: In response to receiving the execution success information corresponding to the resource allocation instruction within a preset time period, the resource limit of the allocation account for the allocated resource is modified according to the resource quantity of the allocated resource; In response to receiving execution failure information corresponding to the resource allocation instruction within a preset time period, a rollback operation is performed on the resource allocation instruction; If the execution success information and the execution failure information are not received within a preset time period, a prompt message indicating that the status of the resource allocation instruction is uncertain is generated.
8. A request-response device, characterized in that, include: The request receiving module is used to receive transaction requests for overseas accounts and determine whether the resources in the overseas account meet the transaction request. The function determination module is used to determine whether the overseas account has a cross-border pool and the target function is enabled in response to the fact that the resources in the overseas account do not meet the transaction request. The account determination module is used to determine at least one domestic account associated with the overseas account from the cross-border pool in response to the fact that the overseas account has a corresponding cross-border pool and the target function is activated. The allocation determination module is used to determine the allocation resources of the overseas account for the transaction request, and to determine the allocation account from the at least one domestic account based on the amount of the allocation resources and the priority level of each domestic account. The instruction execution module is used to execute resource allocation instructions; wherein, the resource allocation instructions are used to transfer allocated resources from the allocation account to the overseas account; The request-response module is used to respond to the transaction request using the overseas account after resource allocation processing.
9. The apparatus according to claim 8, characterized in that, The request receiving module is specifically used for: If the number of available resources in the overseas account is not less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account satisfy the transaction request; If the number of available resources in the overseas account is less than the number of resources corresponding to the transaction request, it is determined that the resources in the overseas account do not meet the transaction request.
10. The apparatus according to claim 8, characterized in that, The account determination module is specifically used for: Determine the contract information of the overseas account for the target function; Based on the contract information, at least one contract account corresponding to the overseas account is identified; In response to the contract account being in the cross-border pool, the contract account is identified as a domestic account associated with the overseas account.
11. The apparatus according to claim 8, characterized in that, The account determination module is specifically used for: Obtain the account opening institution corresponding to the overseas account; Determine the organizational structure information corresponding to the account opening institution; Based on the organizational structure information, at least one superior organization corresponding to the account opening institution is determined; In response to the fact that the institutional account corresponding to the superior institution is in the cross-border pool, the institutional account corresponding to the superior institution is identified as the domestic account associated with the overseas account.
12. The apparatus according to claim 8, characterized in that, The allocation determination module is specifically used for: Based on the priority level of each of the domestic accounts, the current account is determined from the at least one domestic account; Determine the resource limit for the current account in relation to the allocated resources; In response to the resource limit being not less than the resource quantity, the current account is determined as the allocation account; In response to the resource limit being less than the resource quantity, it is determined whether there is a next account for the current account among the at least one domestic account, based on the priority level of each domestic account.
13. An electronic device, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-7.
14. A computer-readable medium having a computer program stored thereon, characterized in that... When the program is executed by the processor, it implements the method as described in any one of claims 1-7.
15. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-7.