CN111523998A - Transaction processing method and device - Google Patents

Abstract

The invention provides a transaction processing method and a device, wherein the method comprises the following steps: receiving a transaction request, and determining a quota attribute parameter corresponding to account information in the transaction request, wherein the quota attribute parameter is determined according to a maximum allowed quota of a quota and a quota set by a user; when the maximum allowable limit of the limit is updated, determining the limit according to the limit attribute parameters; according to the quota limit, the used limit in the quota period and the limit in the transaction request, the transaction request is processed or the transaction request is rejected.

Description

Transaction processing method and device

technical field

The present invention relates to the technical field of data processing, and in particular, to a transaction processing method and device.

Background technique

The bank card includes a variety of limits. Each limit has a default limit set by the bank, that is, the maximum allowable limit. Users can also set a limit that is less than the maximum allowable limit according to their own needs. When the maximum allowable limit of a certain limit is updated When a limit is added from time to time or a new limit is added, a one-time script needs to be written and distributed in batches to update the corresponding limit of all cards one by one.

This method needs to write a one-time script every time the maximum allowable limit is updated, and the development cost is high. Moreover, with the continuous increase of the types of bank card limits, each time the script is written and executed, it needs to consume a lot of time and resources. , the efficiency is low. In addition, in the process of issuing and updating quotas in batches of scripts, the system requirements are very high and the risk is high, which is reflected in the following three aspects. Once the update fails, it will trigger ROLLBACK processing, and the information updated before the database COMMIT It will be invalid; if the user is conducting a card transaction while updating the limit, the user may not be able to conduct the transaction; the time window for batch update limit increase will also affect the overall running time.

For the above problems, no effective solution has been proposed yet.

SUMMARY OF THE INVENTION

The embodiment of the present invention provides a transaction processing method, which is used to improve the update efficiency of the limit quota, and the method includes:

Receive the transaction request, and determine the limit attribute parameter corresponding to the account information in the transaction request. The limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user. The limit attribute parameter indicates that the maximum allowable limit of the limit is the same as the limit set by the user. Or the limit does not exist the limit set by the user, or the maximum allowable limit of the limit is different from the limit set by the user;

When the maximum allowable limit of the limit is updated, the limit amount is determined according to the limit attribute parameter;

According to the limit amount, the amount used in the limit period, and the amount in the transaction request, the transaction request is processed or rejected.

An embodiment of the present invention provides a transaction processing device, which is used to improve the update efficiency of a limit amount, and the device includes:

The limit attribute parameter determination module is configured to receive a transaction request and determine the limit attribute parameter corresponding to the account information in the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user, and the limit The attribute parameter indicates that the maximum allowable limit of the limit is the same as the limit set by the user, or the limit does not have the limit set by the user, or the maximum allowable limit of the limit is different from the limit set by the user;

A limit amount determination module, configured to determine the limit amount according to the limit attribute parameter when the maximum allowable amount of the limit is updated;

A transaction processing module, configured to process the transaction request or reject the transaction request according to the limit amount, the used amount in the limit period, and the amount in the transaction request.

An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the above transaction processing method when the computer program is executed.

An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for executing the above transaction processing method.

In the embodiment of the present invention, the limit attribute parameter corresponding to the account information in the transaction request is determined by: receiving the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user; when the maximum allowable limit of the limit is updated, Determine the limit amount according to the limit attribute parameter; process the transaction request or reject the transaction request according to the limit amount, the used amount in the limit period, and the amount in the transaction request. Compared with the prior art, when the maximum allowable limit of the limit is updated, a one-time script needs to be written and the limit is updated one by one in batches. The limit attribute parameter corresponding to the account information in the transaction request determines the limit limit, which reduces the cost of developing scripts, improves the update efficiency of the limit, and avoids the risks brought by batch updates.

Description of drawings

In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained according to these drawings without creative efforts. In the attached image:

1 is a schematic diagram of the flow of a transaction processing method in an embodiment of the present invention;

Fig. 2 is the concrete flow chart of step 102 in Fig. 1;

3 is a schematic diagram of a specific embodiment of a transaction processing method in an embodiment of the present invention;

4 is a schematic diagram of a structure of a transaction processing apparatus in an embodiment of the present invention;

FIG. 5 is a schematic diagram of another structure of a transaction processing apparatus in an embodiment of the present invention.

Detailed ways

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

In order to solve the technical problem that in the prior art, when the maximum allowable limit of the limit is updated, a one-time script needs to be written and batches are issued to update the limit one by one, so that the update efficiency of the limit is low, the embodiment of the present invention provides a transaction processing method, For improving the update efficiency of the quota, FIG. 1 is a schematic diagram of the flow of a transaction processing method in an embodiment of the present invention. As shown in FIG. 1, the method includes:

Step 101: Receive the transaction request, and determine the limit attribute parameter corresponding to the account information in the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the user-set limit, and the limit attribute parameter indicates the maximum allowable limit of the limit and the user-set limit. The quota is the same, or the quota does not have the quota set by the user, or the maximum allowable quota of the quota is different from the quota set by the user;

Step 102: when the maximum allowable limit of the limit is updated, determine the limit according to the attribute parameter of the limit;

Step 103: Process the transaction request or reject the transaction request according to the limit amount, the used amount in the limit period, and the amount in the transaction request.

As shown in FIG. 1, the embodiment of the present invention determines the limit attribute parameter corresponding to the account information in the transaction request by receiving the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user; When the maximum allowable limit is updated, the limit limit is determined according to the limit attribute parameter; according to the limit limit, the used limit within the limit period, and the limit in the transaction request, the transaction request is processed or rejected. Compared with the prior art, when the maximum allowable limit of the limit is updated, a one-time script needs to be written and the limit is updated one by one in batches. The limit attribute parameter corresponding to the account information in the transaction request determines the limit limit, which reduces the cost of developing scripts, improves the update efficiency of the limit, and avoids the risks brought by batch updates.

In specific implementation, in step 101, before receiving the transaction request, the limit attribute parameter corresponding to the account information may be set first, and the account information may be a card number or account number, and each card number or account number may include various limits, such as: ATM withdrawals Daily limit, ATM transfer monthly limit, second-class account transfer annual limit, etc. Each limit can be set with a limit attribute parameter. The limit attribute parameter can be determined according to the maximum allowable limit of the limit and the limit set by the user. Among them, the maximum allowable limit of the limit The quota can be a default quota set by the banking system, as shown in Table 1. The user can adjust the quota according to actual needs, as shown in Table 2, but the quota set by the user generally cannot exceed the maximum allowable quota.

Table 1 Default limit table

INST_NO Institution number BIN_NO BIN number PROD_NO Product number PROV_NO Provincial institution number CURRENCY currency ITEM_CNT1 frequency ... ITEM_CNT60 ITEM_LMTT1 Amount ... ITEM_LMT120 LAST_MAINT_DATE Last updated date

Table 2 Quota User Setting Quota Table

During specific implementation, when the maximum allowable limit of any kind of limit is the same as the limit set by the user or the limit does not have a limit set by the user, it is considered that the maximum allowable limit of the limit is consistent with the user setting, and the attribute parameter of the limit can be set as The first attribute parameter, the first attribute parameter can be "0", when the maximum allowable limit of the limit is different from the limit set by the user, the attribute parameter of the limit can be set as the second attribute parameter, and the second attribute parameter can be "1". The limit attribute parameter is the inherent attribute parameter of the card or account. Each time the user conducts a card-holding transaction, the user can read the limit attribute parameter corresponding to the account information in the transaction request according to the transaction request.

FIG. 2 is a specific flowchart of step 102 in FIG. 1. As shown in FIG. 2, in one embodiment, step 102 determines the limit amount according to the limit attribute parameter, which may include:

Step 1021: when the limit attribute parameter is the first attribute parameter, determine the maximum allowable limit after the limit update as the limit limit according to the first attribute parameter;

The limit attribute parameter being the first attribute parameter indicates that the maximum allowable limit of the limit is the same as the limit set by the user, or the limit does not have the limit set by the user.

In one embodiment, the above step 1021 may further include:

When the quota attribute parameter is the first attribute parameter, according to the first attribute parameter, based on the maximum allowable quota of the quota and the effective timestamp of the quota set by the user, the quota with a later effective timestamp is determined as the quota quota.

During specific implementation, in step 1021, when the maximum allowable limit of the limit is updated, the limit amount can be determined according to the limit attribute parameter read in step 101. When the attribute parameter of the limit is the first attribute parameter, namely "0", Determine the maximum allowable limit after the limit update is the limit limit, for example: the maximum allowable limit of the ATM withdrawal day limit of an account is 10,000 yuan, and the user-set limit is also 10,000 yuan or the user does not set the limit, the ATM withdrawal day of the account is If the limit attribute parameter of the limit is "0", then when the maximum allowable limit of the ATM withdrawal day limit is changed to 20,000 yuan, the changed maximum allowable limit of 20,000 yuan can be used as the account ATM based on the limit attribute parameter "0" The amount of the withdrawal day limit. Since an account can include multiple limits, when the maximum allowable limits of multiple limits are changed at the same time and the limit attribute parameter is "0", in order to avoid the change of the maximum allowable limit of each limit and the limit set by the user one by one For comparison, it is also possible to determine the quota with a later effective timestamp as the quota based on the maximum allowable quota of the quota and the effective timestamp of the quota set by the user. For example, the maximum allowable quota of the quota can be compared with the effective timestamp of the quota set by the user. , when the effective timestamp of the maximum allowable quota of the quota is later than the effective timestamp of the quota set by the user, the maximum allowable quota is determined as the quota quota, and the effective timestamp of the quota set by the user is later than the effective timestamp of the maximum allowable quota. When the maximum allowable amount is determined as the limit amount.

As shown in FIG. 2, in one embodiment, step 102 determines the limit amount according to the limit attribute parameter, which may further include:

Step 1022: When the limit attribute parameter is the second attribute parameter, according to the second attribute parameter, determine the smaller value between the updated maximum allowable limit and the user-set limit as the limit limit;

The limit attribute parameter is the second attribute parameter, indicating that the maximum allowable limit of the limit is different from the limit set by the user.

During specific implementation, in step 1022, when the attribute parameter of the limit is set as the second attribute parameter, namely "1", the smaller value between the maximum allowable limit after the limit update and the limit set by the user is determined as the limit limit, for example: The maximum allowable limit of the daily ATM withdrawal limit of an account is 10,000 yuan, and the limit set by the user is 5,000 yuan. If the limit attribute parameter of the ATM daily withdrawal limit of the account is "1", the maximum allowable limit of the ATM withdrawal day limit is changed. When it is 20,000 yuan, based on the limit attribute parameter "1", the smaller value between the updated maximum allowable limit of 20,000 yuan and the user's set limit of 5,000 yuan, that is, 5,000 yuan can be determined as the ATM withdrawal of the account. The amount of the daily limit; when the maximum allowable amount of the daily ATM withdrawal limit is changed to 3,000 yuan, based on the limit attribute parameter "1", the updated maximum allowable limit of 3,000 yuan and the user-set limit of 5,000 yuan can be set. The smaller value of 3,000 yuan is used as the daily ATM withdrawal limit of the account.

In one embodiment, after the limit amount is determined in step 102, the method may further include:

Update the limit attribute parameter according to the updated maximum allowable limit and the user-set limit.

In specific implementation, the maximum allowable limit after the limit update can be compared with the limit set by the user, and according to the comparison result, the limit attribute parameter is re-determined, which is used to determine the limit limit when the maximum allowable limit of the limit is updated again.

In specific implementation, in step 103, after the limit amount is determined, the request amount in the current transaction can be read first, and then the existing transaction amount and transaction times of the limit in the accumulation period can be read from the account limit accumulation table. , add the existing transaction quota to the requested quota in this transaction, and accumulate the number of transactions. If the added quota exceeds the quota, the transaction will be rejected. If the added quota does not exceed the quota, then Process the current transaction and update the current transaction information to the account limit accumulation table.

A specific example is given below to facilitate understanding of how the present invention is implemented. FIG. 3 is a schematic diagram of a specific embodiment of a transaction processing method in an embodiment of the present invention, as shown in FIG. 3 , including the following steps:

Step 1: Set the limit attribute parameter to "0" or "1" according to the maximum allowable limit of the limit and the limit set by the user;

Step 2: Receive the transaction request, and read the limit attribute parameter corresponding to the account information in the transaction request;

Step 3: When the maximum allowable limit of the limit is updated, determine the limit amount according to the attribute parameter of the limit. When the attribute parameter of the limit is set to "0", determine the maximum allowable limit after the limit update as the limit limit or set the limit of the limit. The maximum allowable limit and the limit after the effective time stamp of the user-set limit is determined as the limit limit; when the attribute parameter of the limit is set to the second attribute parameter, namely "1", the maximum allowable limit after the limit update and the user-set limit are calculated. The smaller value between the two is determined as the limit amount;

Step 4: Re-determine the limit attribute parameters according to the updated maximum allowable limit and the limit set by the user;

Step 5: Read the request quota in this transaction, as well as the existing transaction quota and transaction times of the quota in the cumulative period, and add the existing transaction quota to the request quota in this transaction. If the added amount exceeds the limit, the transaction will be rejected; if the added amount does not exceed the limit, the transaction will be processed.

Based on the same inventive concept, an embodiment of the present invention also provides a transaction processing apparatus, such as the following embodiments. Since the principle of solving the problem of the transaction processing device is similar to that of the transaction processing method, the implementation of the device can be referred to the implementation of the method, and the repetition will not be repeated. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, implementations in hardware, or a combination of software and hardware, are also possible and contemplated.

In order to solve the technical problem in the prior art that when the maximum allowable limit of the limit is updated, a one-time script needs to be written and batches are issued to update the limit one by one, so that the update efficiency of the limit is low, the embodiment of the present invention provides a transaction processing device, For improving the update efficiency of the limit amount, FIG. 4 is a schematic diagram of the structure of a transaction processing device in an embodiment of the present invention. As shown in FIG. 4 , the device includes:

The limit attribute parameter determination module 01 is used for receiving the transaction request, and determining the limit attribute parameter corresponding to the account information in the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user, and the limit attribute parameter indicates the limit of the limit. The maximum allowable limit is the same as the user-set limit, or the limit does not exist the user-set limit, or the maximum allowable limit of the limit is different from the user-set limit;

The limit amount determination module 02 is used to determine the limit amount according to the limit attribute parameter when the maximum allowable limit of the limit is updated;

The transaction processing module 03 is used for processing the transaction request or rejecting the transaction request according to the quota quota, the used quota in the quota period, and the quota in the transaction request.

In one embodiment, the limit amount determination module 02 is specifically configured to:

When the limit attribute parameter is the first attribute parameter, according to the first attribute parameter, the maximum allowable limit after the limit update is determined as the limit limit;

The limit attribute parameter being the first attribute parameter indicates that the maximum allowable limit of the limit is the same as the limit set by the user, or the limit does not have the limit set by the user.

In one embodiment, the limit amount determination module 02 is further configured to:

When the quota attribute parameter is the first attribute parameter, according to the first attribute parameter, based on the maximum allowable quota of the quota and the effective timestamp of the quota set by the user, the quota with a later effective timestamp is determined as the quota quota.

In one embodiment, the limit amount determination module 02 is further configured to:

When the limit attribute parameter is the second attribute parameter, according to the second attribute parameter, the smaller value between the maximum allowable limit after the limit update and the limit set by the user is determined as the limit limit;

The limit attribute parameter is the second attribute parameter, indicating that the maximum allowable limit of the limit is different from the limit set by the user.

FIG. 5 is a schematic diagram of another structure of the transaction processing apparatus in the embodiment of the present invention. As shown in FIG. 5, in one embodiment, it further includes a limit attribute parameter updating module 04, which is used for:

Update the limit attribute parameter according to the updated maximum allowable limit and the user-set limit.

An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the above transaction processing method when the computer program is executed.

An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for executing the above transaction processing method.

To sum up, the embodiment of the present invention determines the limit attribute parameter corresponding to the account information in the transaction request by receiving the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user; When the allowable quota is updated, the quota is determined according to the attribute parameter of the quota; the transaction request is processed or rejected according to the quota, the used quota in the quota period, and the quota in the transaction request. Compared with the prior art, when the maximum allowable limit of the limit is updated, a one-time script needs to be written and the limit is updated one by one in batches. The limit attribute parameter corresponding to the account information in the transaction request determines the limit limit, which reduces the cost of developing scripts, improves the update efficiency of the limit, and avoids the risks brought by batch updates.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block in the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a block diagram.

These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions The apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.

These computer program instructions can also be loaded on a computer or other programmable data processing device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process such that The instructions provide steps for implementing the functions specified in the flow or blocks of the flowcharts and/or the block or blocks of the block diagrams.

The above are only preferred embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, various modifications and changes may be made to the embodiments of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. A transaction processing method, comprising: Receive the transaction request, and determine the limit attribute parameter corresponding to the account information in the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user, and the limit attribute parameter represents the maximum allowable limit of the limit It is the same as the quota set by the user, or the quota does not exist in the quota set by the user, or the maximum allowable quota of the quota is different from the quota set by the user; When the maximum allowable limit of the limit is updated, the limit amount is determined according to the limit attribute parameter; The transaction request is processed or rejected according to the limit amount, the used amount in the limit period, and the amount in the transaction request. 2. The method according to claim 1, wherein determining the limit amount according to the limit attribute parameter, comprising: When the limit attribute parameter is the first attribute parameter, according to the first attribute parameter, the maximum allowable limit after the limit update is determined as the limit limit; Wherein, the limit attribute parameter is the first attribute parameter, indicating that the maximum allowable limit of the limit is the same as the limit set by the user, or the limit does not have the limit set by the user. 3. The method of claim 1, wherein determining the amount of the limit according to the limit attribute parameter, further comprising: When the quota attribute parameter is the first attribute parameter, according to the first attribute parameter, based on the maximum allowable quota of the quota and the effective timestamp of the quota set by the user, the quota with a later effective timestamp is determined as the quota quota. 4. The method according to claim 1, wherein determining the limit amount according to the limit attribute parameter, further comprising: When the limit attribute parameter is the second attribute parameter, according to the second attribute parameter, the smaller value between the maximum allowable limit after the limit update and the limit set by the user is determined as the limit limit; Wherein, the limit attribute parameter is the second attribute parameter, indicating that the maximum allowable limit of the limit is different from the limit set by the user. 5. The method of claim 1, wherein after determining the limit amount, the method further comprises: The limit attribute parameter is updated according to the updated maximum allowable limit and the limit set by the user. 6. A transaction processing device, comprising: The limit attribute parameter determination module is configured to receive a transaction request and determine the limit attribute parameter corresponding to the account information in the transaction request, wherein the limit attribute parameter is determined according to the maximum allowable limit of the limit and the limit set by the user, and the limit The attribute parameter indicates that the maximum allowable limit of the limit is the same as the limit set by the user, or the limit does not have the limit set by the user, or the maximum allowable limit of the limit is different from the limit set by the user; A limit amount determination module, configured to determine the limit amount according to the limit attribute parameter when the maximum allowable amount of the limit is updated; A transaction processing module, configured to process the transaction request or reject the transaction request according to the limit amount, the used amount in the limit period, and the amount in the transaction request. 7. The device according to claim 6, wherein the limit determination module is specifically used for: When the limit attribute parameter is the first attribute parameter, according to the first attribute parameter, the maximum allowable limit after the limit update is determined as the limit limit; Wherein, the limit attribute parameter is the first attribute parameter, indicating that the maximum allowable limit of the limit is the same as the limit set by the user, or the limit does not have the limit set by the user. 8. The device according to claim 6, wherein the quota determination module is further configured to: When the limit attribute parameter is the second attribute parameter, according to the second attribute parameter, the smaller value between the maximum allowable limit after the limit update and the limit set by the user is determined as the limit limit; Wherein, the limit attribute parameter is the second attribute parameter, indicating that the maximum allowable limit of the limit is different from the limit set by the user. 9. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor implements any of claims 1 to 5 when the processor executes the computer program the method. 10. A computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing any one of the methods of claims 1 to 5.

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