CN109949144A - Entry processing method, apparatus, device and computer-readable storage medium - Google Patents

Abstract

It keeps accounts processing method the invention discloses one kind, this method comprises: when receiving the financial transaction order triggered based on a certain user account, according to preset accounting processing rule, the accounting data of the user account saved in account system database is updated；It obtains corresponding with the financial transaction order wait the transaction that keeps accounts；According to described wait keep accounts transaction and the updated accounting data real-time deal that executes the user account keeps accounts operation.It keeps accounts processing unit, equipment and a kind of computer readable storage medium the invention also discloses one kind.It is to meet 7*24 hours service characteristics that the present invention, which solves existing billing and accounting system, it is necessary to do human cost and the higher technical problem of time cost caused by business packaging.

Description

Entry processing method, apparatus, device and computer-readable storage medium

technical field

The present invention relates to the technical field of financial technology (Fintech), and in particular, to an account entry processing method, apparatus, device, and computer-readable storage medium.

Background technique

In recent years, with the continuous development of financial technology, higher and higher requirements have been placed on the banking system. For example, for the loan accounting system, it is required to provide 7*24 hours all-weather loan services, and the loan data inquired must be accurate. These data include page display data such as quota, repayment plan, loan and repayment records, etc. The calculated A penny difference in the amount will also be held accountable by the CBRC.

The traditional loan accounting system generally processes online transactions during the day for normal repayment and reversal (correcting wrong transfers and remittances), while recording the transaction flow, and waiting for batch operations at night. Batch operations include two parts: Day cut and run batch. Daily cut refers to changing the transaction time from yesterday to today, rather than using machine time as the real transaction time; batch running includes steps such as interest calculation, aging update, carry-over, interest settlement and account entry.

The shortcomings of the above loan accounting system are: the real-time data cannot be guaranteed, and the balance is updated after the batch. During the period from the day to the batch, a non-financial system (an interface system that provides accounting data query) is required. To do business packaging to meet the 7*24-hour service characteristics, however, the business packaging of non-financial systems is very complex, requiring access to new services in the original engineering code, and the labor cost and time cost are high.

SUMMARY OF THE INVENTION

The main purpose of the present invention is to provide an account entry processing method, device, equipment and computer-readable storage medium, which aims to solve the labor cost caused by the need for business packaging in the existing accounting system in order to meet the 7*24-hour service characteristics and technical problems with high time cost.

In order to achieve the above purpose, the present invention provides an account entry processing method, and the account entry processing method includes the following steps:

When receiving a financial transaction instruction triggered based on a certain user account, update the accounting data of the user account stored in the accounting system database according to preset accounting processing rules;

obtaining the transaction to be credited corresponding to the financial transaction instruction;

The real-time transaction crediting operation of the user account is performed according to the transaction to be credited and the updated account data.

Preferably, after the step of performing the real-time transaction crediting operation of the user account according to the transaction to be credited and the updated account data, the method further includes:

When receiving an accounting data query instruction triggered based on the user account, determine whether the accounting data of the user account has been updated within a predetermined time period;

If the accounting data of the user account has been updated within a predetermined time period, query the updated accounting data;

If the accounting data of the user account has not been updated within a predetermined period of time, update the accounting data of the user account saved in the accounting system database according to the accounting processing rules, and query and update The following accounting data.

Preferably, the account entry processing method further includes:

At a specified time point, obtain user accounts that have neither received financial transaction instructions nor accounting data query instructions within the predetermined time period;

The accounting data of the user account that has neither received the financial transaction instruction nor the accounting data query instruction stored in the accounting system database is updated.

Preferably, the step of performing the real-time transaction crediting operation of the user account according to the transaction to be credited and the updated account data includes:

During the real-time transaction entry process, determine whether an optimistic locking conflict occurs;

If an optimistic lock conflict occurs, perform an optimistic lock retry operation;

When the optimistic lock retry operation is continuously performed for more than a preset number of times, prompt information is output to indicate that the current service is busy, and the transaction to be credited is marked as unsuccessful.

Preferably, the account entry processing method further includes:

Periodically poll the unsuccessful transactions according to the preset polling thread;

Submitting the transaction that has not been successfully entered into the account to a preset online transaction processing thread, so that the online transaction processing thread can perform re-entry processing on the transaction that has not been successfully entered into the account.

Preferably, after the step of submitting the unsuccessful transaction to the account to a preset online transaction processing thread, so that the online transaction processing thread re-credits the unsuccessful transaction, the method further includes:

Acquire the unsuccessful re-entry transactions in the polling stage, display the unsuccessful re-entry transactions on the front-end page, and issue a prompt message that the re-entry failed.

In addition, in order to achieve the above purpose, the present invention also provides an account entry processing device, the account entry processing device includes:

The first update module is used to update the accounting data of the user account stored in the accounting system database according to preset accounting processing rules when receiving a financial transaction instruction triggered based on a certain user account ;

a first acquisition module, configured to acquire transactions to be credited corresponding to the financial transaction instructions;

An account entry module, configured to perform a real-time transaction entry operation of the user account according to the transaction to be entered into the account and the updated account data.

Preferably, the account entry processing device further includes:

a judgment module, configured to judge whether the account data of the user account has been updated within a predetermined time period when receiving the account data query instruction triggered based on the user account;

a first query module, configured to query the updated accounting data if the accounting data of the user account has been updated within a predetermined time period;

The second query module is configured to, if the accounting data of the user account has not been updated within a predetermined period of time, according to the accounting processing rules, query the accounting data of the user account saved in the accounting system database The data is updated, and the updated accounting data is queried.

Preferably, the account entry processing device further includes:

The second acquisition module is configured to acquire, at a specified time point, user accounts that have neither received financial transaction instructions nor received accounting data query instructions within the predetermined time period;

The second update module is configured to update the accounting data of the user account that has neither received financial transaction instructions nor received accounting data query instructions stored in the accounting system database.

Preferably, the account entry module is also used for:

During the real-time transaction entry process, determine whether an optimistic locking conflict occurs;

If an optimistic lock conflict occurs, perform an optimistic lock retry operation;

When the optimistic lock retry operation is continuously performed for more than a preset number of times, prompt information is output to indicate that the current service is busy, and the transaction to be credited is marked as unsuccessful.

Preferably, the account entry processing device further includes:

The polling module is used to periodically poll the unsuccessful transactions according to the preset polling thread;

The submission module is configured to submit the transaction that is not successfully entered into the account to a preset online transaction processing thread, so that the online transaction processing thread performs re-entry processing on the transaction that is unsuccessful in the entry into the account.

Preferably, the account entry processing device further includes:

The display module is used to obtain the unsuccessful transactions of re-entry in the polling stage, display the unsuccessful transactions of re-entry on the front-end page, and issue a prompt message of unsuccessful entry.

In addition, in order to achieve the above object, the present invention also provides an account entry processing device, the account entry processing device includes: a memory, a processor, and an account entry processing program stored in the memory and running on the processor. When the credit processing program is executed by the processor, the steps of the credit processing method described above are implemented.

In addition, in order to achieve the above purpose, the present invention also provides a computer-readable storage medium on which an account entry processing program is stored, and when the account entry processing program is executed by the processor, the above-mentioned account entry processing is realized steps of the method.

According to the account entry processing method proposed by the present invention, when a financial transaction instruction triggered based on a certain user account is received, the accounting data of the user account stored in the accounting system database is processed according to preset accounting processing rules. updating; acquiring the transaction to be credited corresponding to the financial transaction instruction; and executing the real-time transaction crediting operation of the user account according to the transaction to be credited and the updated accounting data. In this way, it is ensured that the accounting system will record each financial transaction received in real time, instead of waiting for the batch operation at night, and when subsequently querying the current accounting data of the user account, you can directly access the account from the account. Therefore, the present invention can meet the service characteristics of 7*24 hours without business packaging, and avoid labor cost and time cost caused by business packaging.

Description of drawings

1 is a schematic diagram of a device structure of a hardware operating environment involved in an embodiment of the present invention;

FIG. 2 is a schematic flowchart of the first embodiment of the account entry processing method according to the present invention.

The realization, functional characteristics and advantages of the present invention will be further described with reference to the accompanying drawings in conjunction with the embodiments.

Detailed ways

It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention.

As shown in FIG. 1 , FIG. 1 is a schematic diagram of a device structure of a hardware operating environment involved in an embodiment of the present invention.

The account entry processing device in the embodiment of the present invention may be a PC or a server device.

As shown in FIG. 1 , the account entry processing device may include: a processor 1001 , such as a CPU, a network interface 1004 , a user interface 1003 , a memory 1005 , and a communication bus 1002 . Among them, the communication bus 1002 is used to realize the connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. Optionally, the network interface 1004 may include a standard wired interface and a wireless interface (eg, a WI-FI interface). The memory 1005 may be high-speed RAM memory, or may be non-volatile memory, such as disk memory. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001 .

Those skilled in the art can understand that the device structure shown in FIG. 1 does not constitute a limitation on the device, and may include more or less components than the one shown, or combine some components, or arrange different components.

As shown in FIG. 1 , the memory 1005, which is a computer storage medium, may include an operating system, a network communication module, a user interface module, and an account processing program.

In the terminal shown in FIG. 1 , the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server; the user interface 1003 is mainly used to connect to the client (client) and perform data communication with the client; and the processor 1001 can be used to call the account entry processing program stored in the memory 1005, and perform the operations in various embodiments of the account entry processing method described below.

Based on the above hardware structure, an embodiment of the account entry processing method of the present invention is proposed.

Referring to FIG. 2, FIG. 2 is a schematic flowchart of the first embodiment of the account entry processing method of the present invention. The method includes:

Step S10, when receiving a financial transaction instruction triggered based on a certain user account, update the accounting data of the user account stored in the accounting system database according to preset accounting processing rules;

The account entry processing method of this embodiment is applied to an account entry processing device, and the account entry processing device is equipped with an accounting system, and the accounting system is used to process and record financial transactions of a specified type (such as loans, funds, insurance, trust, etc.) It can provide real-time transaction entry function and real-time accounting data query function.

In this embodiment, when the accounting system receives a financial transaction instruction triggered based on a certain user account, the first transaction is triggered. The accounting data of the user account stored in the database is updated, wherein the accounting data is business-related data that needs to be updated every day since financial transactions are generated.

Taking the accounting system as the loan accounting system as an example, for the loan business, the accounting data includes but not limited to the interest, the age of the account, the owed amount and the repaid amount of the IOU, the repayment plan and other data, and the corresponding accounting data An update can include the following steps:

(1) Account adjustment transaction entry: Process the manual account adjustment transactions uploaded by the operation and maintenance personnel in the operation and maintenance system on the previous day, such as loan adjustment transactions, repayment and loan cancellation and other account adjustment transactions, and record them into the account.

(2) Transfer out of overpayment: Overpayment means that the user has more money, and the overpayment record needs to be exported to the operator for refund operation.

(3) Interest accrual: refers to the accrual of interest and penalty interest based on the principal every day, and the corresponding interest accrual and offset accounting flow.

(4) Age update and carry-over: Account age reflects the number of overdue loan periods. If the user’s account age changes, it is necessary to generate an accounting flow for the transfer in and out of the account. The change in the age of the account reflects the change in the form of the asset. .

(5) Daily-cut backup: refers to backing up the status data of the account, IOU and repayment plan on the previous day. Big data extraction only needs to extract the data of the backup table.

(6) Carry-over: It means that the principal and interest that have not been billed need to be billed on the day of the bill, and become the principal and interest that should be repaid in the current period.

It should be noted that the above-mentioned first operation is realized through the online function of the accounting system. Through the update of the accounting data, it is ensured that the accounting data of the user account saved in the database of the accounting system is the latest accounting data of the day. It is not the accounting data of the previous day, thus ensuring the accuracy of the data recorded in real time for subsequent transactions. In addition, it should be noted that, in this embodiment, when the accounting system receives a financial transaction instruction triggered based on a certain user account, it updates the accounting data of the user account saved in the accounting system database. , which is equivalent to allocating the existing night batch operations to each transaction during the day, thereby reducing the overall time-consuming of night batch operations.

Step S20, acquiring the transaction to be credited corresponding to the financial transaction instruction;

In this step, the accounting system obtains the transactions to be credited corresponding to the financial transaction instructions received above. For example, for a loan business, the transactions to be entered into the account may include loan transactions and repayment transactions, wherein the loan transactions may include loan objects, loan time, loan amount, interest, repayment plan and other data, and repayment transactions may include repayment objects, repayment Payment time, repayment amount and other data.

Step S30, performing a real-time transaction entry operation of the user account according to the transaction to be entered into the account and the updated accounting data.

After obtaining the pending transaction corresponding to the financial transaction instruction, the real-time transaction entry operation corresponding to the user's account is performed according to the pending transaction and the above-mentioned updated accounting data, that is, the transaction data generated by this financial transaction is stored. Write to the accounting system database in real time.

In this embodiment, when a financial transaction instruction triggered based on a certain user account is received, the accounting data of the user account stored in the accounting system database is updated according to a preset accounting processing rule; Acquiring a transaction to be credited corresponding to the financial transaction instruction; and performing a real-time transaction crediting operation of the user account according to the transaction to be credited and the updated accounting data. In this way, it is ensured that the accounting system will record each financial transaction received in real time, instead of waiting for the batch operation at night, and when subsequently querying the current accounting data of the user account, you can directly access the account from the account. Therefore, in this embodiment, the service characteristics of 7*24 hours are satisfied without the need for business packaging, and labor costs and time costs caused by business packaging are avoided.

Further, based on the first embodiment of the account entry processing method of the present invention, a second embodiment of the account entry processing method of the present invention is proposed.

In this embodiment, after the above step S30, the method may further include: when receiving an accounting data query instruction triggered based on the user account, judging whether the accounting data of the user account has been processed within a predetermined period of time. update; if the accounting data of the user account has been updated within a predetermined time period, query the updated accounting data; if the accounting data of the user account has not been updated within the predetermined time period, Then, according to the accounting processing rules, the accounting data of the user account stored in the accounting system database is updated, and the updated accounting data is queried.

In this embodiment, when the accounting system receives an accounting data query instruction triggered based on the user account at any time, it first determines whether the accounting data of the user account has been updated within a predetermined time period, wherein the predetermined The time period can be set flexibly, for example, from 0:00 to 23:00 on the same day; if it has been updated, the updated accounting data will be directly queried; otherwise, according to the preset accounting processing rules, the data stored in the accounting system database will be checked The accounting data of the user account is updated, and the updated accounting data is queried. That is, within a predetermined period of time, as long as the accounting system receives a financial transaction instruction or an accounting data query instruction triggered by a certain user account, it will trigger the update of the accounting data of the user account. The account data is real-time, which meets the 7*24-hour query requirements for accounting data in practical application scenarios, and also allocates the existing batch operations at night to each transaction or accounting query during the day, thereby reducing the need for The overall time spent in batch operations at night.

Further, based on the second embodiment of the account entry processing method of the present invention, a third embodiment of the account entry processing method of the present invention is proposed.

In this embodiment, the account entry processing method further includes: at a specified time point, acquiring a user account that has neither received a financial transaction instruction nor an account data query instruction within the predetermined time period; The account data of the user account that has neither received the financial transaction instruction nor the account data query instruction stored in the database is updated.

In this embodiment, for a user account that has neither received a financial transaction instruction nor an accounting data query instruction within a predetermined period of time, it is necessary to make a first transaction through the batch function of the accounting system at a specified time point to get the bottom line , the first batch processing and the online first processing have the same logic, that is, according to the preset accounting processing rules, the accounting data of the user account stored in the accounting system database is updated. For example, for a user account that has neither received a financial transaction instruction nor an accounting data query instruction during the day, it is possible to make a first transaction at a designated time in the evening to get the bottom line. It should be noted that in addition to executing the first transaction, the batch function of the accounting system can also perform self-deduction processing, SMS reminder, IOU synchronization, expired data clearing, lock code synchronization, quota renewal, failed transaction clearing, and self-deducting rebates. processing, etc. For a certain user account, if the first transaction is not processed online within a predetermined time period, the batch will be processed once at the specified time point, otherwise it will not be processed, which can meet the daily accounting data update requirements.

Further, based on the first, second and third embodiments of the account entry processing method of the present invention, a fourth embodiment of the account entry processing method of the present invention is proposed.

In this embodiment, the above step S30 may include: during the real-time transaction entry process, judging whether an optimistic lock conflict occurs; if an optimistic lock conflict occurs, performing an optimistic lock retry operation; when the optimistic lock retry operation is continuously performed When the preset number of times is exceeded, prompt information is output to remind that the current service is busy, and the transaction to be credited is marked as unsuccessful.

In this embodiment, in order to meet high concurrent access requirements, an optimistic locking mechanism may be used in the real-time transaction entry process. Optimistic locking assumes that when the current transaction manipulates the data resource, no other transactions will access the data resource at the same time, which ensures that multiple transactions can access the data concurrently, but when updating, it will determine whether other threads have modified the data resource before this, if Yes, there will be a concurrency conflict, that is, an optimistic locking conflict. Specifically, in the process of real-time transaction entry, the accounting system can detect whether an optimistic lock conflict occurs, and if so, execute an optimistic lock retry operation, that is, re-initiate the account entry request; when the optimistic lock retry operation is continuously performed for more than a preset number of times ( It can be set flexibly, such as 3 times), output a prompt message to remind that the current service is busy, and mark the current transaction to be credited as unsuccessful, so as to prevent a crediting task from occupying system resources all the time.

Further, based on the fourth embodiment of the account entry processing method of the present invention, a fifth embodiment of the account entry processing method of the present invention is proposed.

In this embodiment, the account entry processing method further includes: periodically polling transactions that have not been successfully entered into the account according to a preset polling thread; submitting the unsuccessful transactions to the preset online transaction processing thread, so that The online transaction processing thread performs re-entry processing on the transaction that is not successfully entered into the account.

Further, after the step of submitting the unsuccessful transaction to the account to a preset online transaction processing thread, so that the online transaction processing thread re-credits the transaction that is unsuccessful in the account, it may also include: : Obtain the unsuccessful transactions in the polling stage, display the unsuccessful transactions in the re-entry on the front-end page, and issue a prompt message that the re-entry failed.

Specifically, when the accounting system performs real-time account entry, a polling thread can be enabled to periodically poll the unsuccessful transactions. For example, the unsuccessful transactions that have been entered into the account in the past 1 minute can be obtained every 5s; The received transactions that have not been successfully entered into the account are submitted to a preset online transaction processing thread, so that the online transaction processing thread can re-enter the account for the transactions that have not been successfully entered into the account.

It should be noted that the condition for unsuccessful transaction entry can be flexibly set in advance, which is not limited to the above-mentioned situation where the number of optimistic locking conflicts exceeds the preset number. For example, when the temporary transaction volume of the system is too large, the transaction to be entered that exceeds the processing capacity of the system can be judged as unsuccessful entry; for another example, when the transaction to be entered is an in-transit transaction, the transaction to be entered can also be judged as unsuccessful. success.

In this embodiment, the polling thread periodically polls the unsuccessful transactions, and performs re-entry processing, which ensures that the unsuccessful transactions can continue to be recorded, and improves the usability and robustness of the system; For transactions that fail to be re-entered, the system will display them on the front-end page, and issue a prompt message of failure to enter the account to facilitate manual intervention.

The invention also provides an account entry processing device. The account entry processing device of the present invention includes:

The first update module is used to update the accounting data of the user account stored in the accounting system database according to preset accounting processing rules when receiving a financial transaction instruction triggered based on a certain user account ;

a first acquisition module, configured to acquire transactions to be credited corresponding to the financial transaction instructions;

An account entry module, configured to perform a real-time transaction entry operation of the user account according to the transaction to be entered into the account and the updated account data.

Further, the account entry processing device also includes:

a judgment module, configured to judge whether the account data of the user account has been updated within a predetermined time period when receiving the account data query instruction triggered based on the user account;

a first query module, configured to query the updated accounting data if the accounting data of the user account has been updated within a predetermined time period;

The second query module is configured to, if the accounting data of the user account has not been updated within a predetermined period of time, according to the accounting processing rules, query the accounting data of the user account saved in the accounting system database The data is updated, and the updated accounting data is queried.

Further, the account entry processing device also includes:

The second acquisition module is configured to acquire, at a specified time point, user accounts that have neither received financial transaction instructions nor received accounting data query instructions within the predetermined time period;

The second update module is configured to update the accounting data of the user account that has neither received financial transaction instructions nor received accounting data query instructions stored in the accounting system database.

Further, the account entry module is also used for:

During the real-time transaction entry process, determine whether an optimistic locking conflict occurs;

If an optimistic lock conflict occurs, perform an optimistic lock retry operation;

When the optimistic lock retry operation is continuously performed for more than a preset number of times, prompt information is output to indicate that the current service is busy, and the transaction to be credited is marked as unsuccessful.

Further, the account entry processing device also includes:

The polling module is used to periodically poll the unsuccessful transactions according to the preset polling thread;

The submission module is configured to submit the transaction that is not successfully entered into the account to a preset online transaction processing thread, so that the online transaction processing thread performs re-entry processing on the transaction that is unsuccessful in the entry into the account.

Further, the account entry processing device also includes:

The display module is used to obtain the unsuccessful transactions of re-entry in the polling stage, display the unsuccessful transactions of re-entry on the front-end page, and issue a prompt message of unsuccessful entry.

For the operations performed by the above program modules, reference may be made to the embodiments of the method for processing an account entry of the present invention, and details are not described herein again.

The present invention also provides a computer-readable storage medium.

The computer-readable storage medium of the present invention stores an account entry processing program, and when the account entry processing program is executed by the processor, implements the steps of the account entry processing method described above.

For the method implemented when the account entry processing program running on the processor is executed, reference may be made to the various embodiments of the account entry processing method of the present invention, which will not be repeated here.

It should be noted that, herein, the terms "comprising", "comprising" or any other variation thereof are intended to encompass non-exclusive inclusion, such that a process, method, article or system comprising a series of elements includes not only those elements, It also includes other elements not expressly listed or inherent to such a process, method, article or system. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in the process, method, article or system that includes the element.

The above-mentioned serial numbers of the embodiments of the present invention are only for description, and do not represent the advantages or disadvantages of the embodiments.

From the description of the above embodiments, those skilled in the art can clearly understand that the method of the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is better implementation. Based on such understanding, the technical solutions of the present invention can be embodied in the form of software products in essence or the parts that make contributions to the prior art, and the computer software products are stored in a storage medium (such as ROM/RAM) as described above. , magnetic disk, optical disk), including several instructions to make a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the methods described in the various embodiments of the present invention.

The above are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Any equivalent structure or equivalent process transformation made by using the contents of the description and drawings of the present invention, or directly or indirectly applied in other related technical fields , are similarly included in the scope of patent protection of the present invention.

Claims (14)

1. The processing method 1. one kind keeps accounts, which is characterized in that the processing method that keeps accounts includes the following steps:

   It is right according to preset accounting processing rule when receiving the financial transaction order triggered based on a certain user account The accounting data of the user account saved in billing and accounting system database is updated；

   It obtains corresponding with the financial transaction order wait the transaction that keeps accounts；

   According to described wait keep accounts transaction and the updated accounting data real-time deal that executes the user account keeps accounts behaviour Make.
2. 2. keeping accounts processing method as described in claim 1, which is characterized in that it is described according to wait the transaction and after updating of keeping accounts The accounting data execute the real-time deal of the user account and keep accounts after the step of operating, further includes:

   When receiving the accounting data inquiry instruction triggered based on the user account, the account of the user account is judged Whether data carried out update within a predetermined period of time；

   If the accounting data of the user account carried out update within a predetermined period of time, the updated account number is inquired According to；

   If the accounting data of the user account did not carried out update within a predetermined period of time, advised according to the accounting processing Then, the accounting data of the user account saved in account system database is updated, and inquired updated described Accounting data.
3. 3. keep accounts processing method as claimed in claim 2, which is characterized in that the processing method that keeps accounts further include:

   At the specified time point, it obtains and had not both received financial transaction order in the predetermined amount of time or do not received accounting data The user account of inquiry instruction；

   To both not received financial transaction order described in saving in account system database or do not received accounting data inquiry The accounting data of the user account of instruction is updated.
4. 4. keeping accounts processing method as claimed any one in claims 1 to 3, which is characterized in that it is described according to wait keep accounts Transaction and the updated accounting data real-time deal that executes the user account the step of the operating that keep accounts include:

   During the real-time deal keeps accounts, judge whether that optimistic lock conflict occurs；

   If optimistic lock conflict occurs, executes optimistic locking and retry operation；

   When continuously perform optimistic locking retry operation be more than preset times when, export prompt information to prompt current service busy, and It is to keep accounts not successfully by the transactional marking to be kept accounts.
5. 5. keep accounts processing method as claimed in claim 4, which is characterized in that the processing method that keeps accounts further include:

   It is kept accounts failed transaction according to preset poll thread periodic polling；

   The failed transaction that keeps accounts is committed to preset on-line transaction processing thread, so that the on-line transaction handles line Journey carries out the failed transaction that keeps accounts to reenter account processing.
6. 6. keep accounts processing method as claimed in claim 5, which is characterized in that described to submit the transaction for keeping accounts failed Thread is handled to preset on-line transaction, so that the on-line transaction handles thread and carries out again to the transaction for keeping accounts failed It keeps accounts after the step of handling, further includes:

   It obtains poll phase to keep accounts again failed transaction, the transaction for keeping accounts again failed is shown in front end page, and Issue the prompt information for the failure that keeps accounts.
7. The processing unit 7. one kind keeps accounts, which is characterized in that the processing unit that keeps accounts includes:

   First update module, for when receiving the financial transaction order triggered based on a certain user account, according to default Accounting processing rule, the accounting data of the user account saved in account system database is updated；

   First obtains module, corresponding with the financial transaction order wait the transaction that keeps accounts for obtaining；

   Keep accounts module, for according to the reality for executing the user account wait keep accounts transaction and the updated accounting data When transaction keep accounts operation.
8. 8. keep accounts processing unit as claimed in claim 7, which is characterized in that the processing unit that keeps accounts further include:

   Judgment module, for when receiving the accounting data inquiry instruction triggered based on the user account, described in judgement Whether the accounting data of user account carried out update within a predetermined period of time；

   First enquiry module is inquired if the accounting data for the user account carried out update within a predetermined period of time The updated accounting data；

   Second enquiry module, if the accounting data for the user account did not carried out update, root within a predetermined period of time According to the accounting processing rule, the accounting data of the user account saved in account system database is updated, and Inquire the updated accounting data.
9. 9. keep accounts processing unit as claimed in claim 8, which is characterized in that the processing unit that keeps accounts further include:

   Second obtains module, at the specified time point, obtaining in the predetermined amount of time and both not receiving financial transaction order The user account of accounting data inquiry instruction is not received yet；

   Second update module, for both not received financial transaction order described in saving in account system database or do not connect The accounting data for receiving the user account of accounting data inquiry instruction is updated.
10. 10. the processing unit that keeps accounts as described in any one of claim 7 to 9, which is characterized in that the module that keeps accounts also is used In:

    During the real-time deal keeps accounts, judge whether that optimistic lock conflict occurs；

    If optimistic lock conflict occurs, executes optimistic locking and retry operation；

    When continuously perform optimistic locking retry operation be more than preset times when, export prompt information to prompt current service busy, and It is to keep accounts not successfully by the transactional marking to be kept accounts.
11. 11. keep accounts processing unit as claimed in claim 10, which is characterized in that the processing unit that keeps accounts further include:

    Poller module, for being kept accounts failed transaction according to preset poll thread periodic polling；

    Module is submitted, thread is handled for the failed transaction that keeps accounts to be committed to preset on-line transaction, so that described On-line transaction handles thread and carries out reentering account processing to the failed transaction that keeps accounts.
12. 12. keep accounts processing unit as claimed in claim 11, which is characterized in that the processing unit that keeps accounts further include:

    Display module keeps accounts failed transaction again for obtaining poll phase, and the transaction for keeping accounts again failed is shown In front end page, and issue the prompt information for the failure that keeps accounts.
13. The processing equipment 13. one kind keeps accounts, which is characterized in that the processing equipment that keeps accounts includes: memory, processor and is stored in On the memory and the processing routine that keeps accounts that can run on the processor, the processing routine that keeps accounts is by the processor When execution realize as it is described in any one of claims 1 to 6 keep accounts processing method the step of.
14. 14. a kind of computer readable storage medium, which is characterized in that be stored with the place that keeps accounts on the computer readable storage medium Program is managed, such as the processing described in any one of claims 1 to 6 that keeps accounts is realized when the processing routine that keeps accounts is executed by processor The step of method.