CN111563816A

CN111563816A - System and method for separating accounts and messages under bank-crossing payment business

Info

Publication number: CN111563816A
Application number: CN202010400835.1A
Authority: CN
Inventors: 范啸风
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2020-05-13
Filing date: 2020-05-13
Publication date: 2020-08-21
Anticipated expiration: 2040-05-13
Also published as: CN111563816B

Abstract

The invention provides a system and a method for separating accounts and messages under bank-crossing payment business, wherein the system comprises: the payment request acquisition module is used for acquiring a cross-bank payment request; a first stage accounting distributed processor for crediting funds from a customer account to a distributed temporary account; the request generation module is used for generating a ready-to-pay account posting request and a payment message processing request after the distributed temporary account is successfully deducted; the request separation module is used for sending the ready-paid account posting request to a ready-paid account posting request buffer pool and sending the payment message processing request to a payment message processing request buffer pool; the accounting request monitoring module is used for calling the second stage accounting processor to sequentially and serially perform accounting processing on the spare payment accounts when finding out the account entry request of the spare payment accounts; and the message request monitoring module is used for calling the message processing module to process the payment message when the payment message processing request is found.

Description

System and method for separating accounts and messages under bank-crossing payment business

Technical Field

The invention relates to the technical field of inter-bank payment, in particular to a system and a method for separating accounts and messages under bank inter-bank payment business.

Background

At present, in a real-time payment system on a bank network, in order to improve response efficiency and customer experience, a customer account is usually debited and a payment account is credited on the design of the bank system, then a payment message is sent, and the message is sent after the account is in place, so that real-time payment is realized. Based on the mode, as shown in fig. 5, each commercial bank needs to open a reserve payment account at the headquarters of the people's bank, and the capital clearing is uniformly carried out through the headquarters of the people's bank at one point, so that the management is simplified, the use efficiency of the reserve payment capital is greatly improved, and the 'one-point clearing' mode is realized in the RMB payment system.

However, this approach presents the following problems in implementation:

1. the 'one-point settlement' causes all payment services to credit the reserve payment account, so that a resource bottleneck is generated, the reserve payment account is deducted and the payment message is generated and sent in a tight coupling mode, so that the accounting processing and the message processing are in a serial relation and form strong dependence.

2. In large concurrency situations, the credit-debit account may be slow to process, time-out, or even fail, resulting in a failure of the entire transaction, at which time both the customer account debit and the message processing components may operate properly. This results in internal problems and failures affecting external clients, local problems affecting the global.

Therefore, there is a need for an accounting and message processing scheme under the bank cross-bank payment business that can overcome the above problems.

Disclosure of Invention

Aiming at the problems in the prior art, the invention provides an accounting and message separation system and method under bank-crossing payment business. The system and the method solve the problems in the current cross-bank payment through an 'accounting distributed two-stage submission' mode and an 'accounting message separation' mode, deduct accounts of the prepaid account and generate and send payment messages for decoupling, separate the accounting processing request from the message processing request by using the accounting message separation mode, realize the independent and parallel separation processing of the prepaid account accounting and the generated and sent payment messages through two independent request buffer pools and corresponding interception processing processes, and greatly improve the processing capacity and the response speed of the system under the condition of ensuring the normal operation of the accounting processing.

In order to solve the technical problem, the application provides the following technical scheme:

in a first aspect, the present application provides a system for separating accounts and messages under a bank-crossing payment service, where the system includes:

the payment request acquisition module is used for acquiring a cross-bank payment request;

a first stage accounting distributed processor for matching a customer account in the cross bank payment request with a distributed temporary account and deducting funds of the customer account to the distributed temporary account;

the request generation module is used for generating a ready-to-pay account posting request and a payment message processing request after the distributed temporary account is successfully deducted;

the request separation module is used for sending the ready-to-pay account posting request to a ready-to-pay account posting request buffer pool and sending a payment message processing request to a payment message processing request buffer pool according to the generated request type;

the accounting request monitoring module is used for scanning the prepared fund account posting request buffer pool and calling a second stage accounting processor to sequentially and serially perform accounting processing on the prepared fund account when the prepared fund account posting request is found;

and the message request monitoring module is used for scanning the payment message processing request buffer pool and calling the message processing module to process the payment message when the payment message processing request is found.

Furthermore, the number of the distributed temporary accounts is set according to the traffic volume, and the accounts are distributed in different databases or placed in distributed caches and grouped according to regions or service types.

Further, the accounting request monitoring module is specifically configured to:

monitoring a serial processing process by using a queue, scanning the buffer pool of the entry request of the reserve payment account, and calling a second-stage accounting processor to serially perform accounting processing of the reserve payment account in sequence when the entry request of the reserve payment account is found;

the second stage accounting processor is specifically configured to:

and sequentially processing the account posting requests of the reserve payment accounts, and deducting the funds of the corresponding distributed temporary accounts to the reserve payment accounts.

Further, the message request monitoring module is specifically configured to:

monitoring a concurrent processing process by using a queue, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process a payment message;

the message processing module is specifically configured to:

and processing the account posting request of the ready-paid account in parallel, generating a message, and sending the message to a cross-bank payment system.

In a second aspect, the present application provides a method for separating accounts and messages under a bank-crossing payment service, where the method includes:

acquiring a cross-bank payment request;

matching, with a first stage accounting distributed processor, a client account in the cross bank payment request with a distributed temporary account, and deducting funds from the client account to the distributed temporary account;

after the distributed temporary account is successfully deducted, generating a ready-paid account posting request and a payment message processing request;

according to the generated request type, sending the ready-paid account posting request to a ready-paid account posting request buffer pool, and sending a payment message processing request to a payment message processing request buffer pool;

scanning the buffer pool of the entry request of the pay-by-payment account, and calling a second-stage accounting processor to sequentially and serially perform accounting processing on the pay-by-payment account when the entry request of the pay-by-payment account is found;

and scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message.

Further, scanning the buffer pool of the entry request of the prepaid account, and calling a second-stage accounting processor to serially perform accounting processing of the prepaid account in sequence when the entry request of the prepaid account is found, the method further comprises:

and monitoring a serial processing process by using a queue, scanning the buffer pool of the entry request of the reserve payment account, calling a second-stage accounting processor to sequentially and serially process the accounting processing of the reserve payment account when the entry request of the reserve payment account is found, and deducting the funds of the corresponding distributed temporary account to the reserve payment account.

Further, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message, the method further includes:

and monitoring a concurrent processing process by using a queue, scanning the payment message processing request buffer pool, calling a message processing module concurrently when the payment message processing request is found, processing the ready-to-pay account posting request in parallel by the message processing module to generate a message, and sending the message to a cross-bank payment system.

In a third aspect, the present application provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements a method for separating accounting and messages in a bank cross bank payment service when executing the computer program.

In a fourth aspect, the present application provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements a method for separating accounting and messaging in a bank cross-bank payment service.

According to the technical scheme, the system and the method for separating the accounting and the message under the bank cross-bank payment service provided by the application comprise the following steps: acquiring a cross-bank payment request; matching, with a first stage accounting distributed processor, a client account in the cross bank payment request with a distributed temporary account, and deducting funds of the client account to the distributed temporary account; after the distributed temporary account is successfully deducted, generating a ready-paid account posting request and a payment message processing request; according to the generated request type, sending the ready-paid account posting request to a ready-paid account posting request buffer pool, and sending a payment message processing request to a payment message processing request buffer pool; scanning the buffer pool of the entry request of the pay-by-payment account, and calling a second-stage accounting processor to sequentially and serially perform accounting processing on the pay-by-payment account when the entry request of the pay-by-payment account is found; the technical scheme solves the problems of single account-entering performance bottleneck, limitation of serial account-entering on message processing and tight coupling of internal affairs of a bank and external affairs of a client in the existing cross-bank payment, separates message processing from financial processing, decouples the necessary serial financial processing from the concurrent message processing, and greatly improves the system processing capacity and response speed.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic diagram of an architecture of an accounting and message separation system in a bank cross-bank payment service according to an embodiment of the present invention.

Fig. 2 is a schematic diagram of a relationship between an accounting and a message separation system for cross-bank payment request processing in a bank cross-bank payment service according to an embodiment of the present invention.

Fig. 3 is a schematic flow chart of an accounting and message separation method in a bank cross-bank payment service according to an embodiment of the present invention.

Fig. 4 is a schematic structural diagram of an electronic device in an embodiment of the present application.

Fig. 5 is a schematic diagram illustrating the processing of the on-line payment accounting and the message in the point clearing mode in the prior art.

Detailed Description

The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.

According to the embodiment of the invention, the invention provides a system, a method, electronic equipment and a computer-readable storage medium for separating accounts and messages under bank-to-bank payment business, which are used for acquiring a bank-to-bank payment request; matching, with a first stage accounting distributed processor, a client account in the cross bank payment request with a distributed temporary account, and deducting funds of the client account to the distributed temporary account; after the distributed temporary account is successfully deducted, generating a ready-paid account posting request and a payment message processing request; according to the generated request type, sending the ready-paid account posting request to a ready-paid account posting request buffer pool, and sending a payment message processing request to a payment message processing request buffer pool; scanning the buffer pool of the entry request of the pay-by-payment account, and calling a second-stage accounting processor to sequentially and serially perform accounting processing on the pay-by-payment account when the entry request of the pay-by-payment account is found; the technical scheme solves the problems of single account-entering performance bottleneck, limitation of serial account-entering on message processing and tight coupling of internal affairs of a bank and external affairs of a client in the existing cross-bank payment, separates message processing from financial processing, decouples the necessary serial financial processing from the concurrent message processing, and greatly improves the system processing capacity and response speed.

In the embodiments of the present invention, terms to be described:

a pay account: in order to prevent financial risk caused by overdraft of commercial banks in the process of cross-bank payment, the clearing organization of the people bank as the cross-bank payment requires that each commercial bank must open a reserve payment account in advance and prestore a certain amount of money to prevent the overdraft risk of the commercial banks.

Payment message: the international iso system standard is referred to for making a unified financial interface specification throughout the country, and the unified financial interface specification is used for transmitting payment instructions, financial data and management information between commercial banks and pedestrians.

The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.

In order to separate message processing and accounting processing, decouple serial accounting processing and concurrent message processing, and greatly improve system processing capacity and response speed, the application provides a system for separating accounting and messages in bank-crossing payment service, which specifically includes the following contents, referring to fig. 1:

a payment request obtaining module 101, configured to obtain a cross-bank payment request.

A first stage accounting distributed processor 102, configured to match a client account in the cross bank payment request with a distributed temporary account, and deduct funds from the client account to the distributed temporary account;

in one or more embodiments of the present application, the number of the distributed temporary accounts is set according to the traffic volume, and the distributed temporary accounts are distributed in different databases or placed in distributed caches, and are grouped according to regions or traffic types.

And the request generation module 103 is configured to generate a ready-to-pay account posting request and a payment message processing request after the distributed temporary account is successfully deducted.

And the request separation module 104 is configured to send the prepaid account posting request to the prepaid account posting request buffer pool according to the generated request type, and send the payment message processing request to the payment message processing request buffer pool.

And the accounting request monitoring module 105 is configured to scan the buffer pool of the deposit request of the reserve payment account, and when the deposit request of the reserve payment account is found, invoke the second-stage accounting processor 106 to sequentially and serially perform accounting processing on the reserve payment account.

A message request monitoring module 107, configured to scan the payment message processing request buffer pool, and when the payment message processing request is found, concurrently invoke a message processing module 108 to process a payment message.

In one or more embodiments of the present application, the accounting request monitoring module 105 is specifically configured to:

monitoring a serial processing process by using a queue, scanning the buffer pool of the entry request of the reserve payment account, and calling a second-stage accounting processor 106 to sequentially and serially perform accounting processing on the reserve payment account when the entry request of the reserve payment account is found;

the second stage accounting processor 106 is specifically configured to:

In one or more embodiments of the present application, the message request monitoring module 107 is specifically configured to:

and monitoring a concurrent processing process by using a queue, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling the message processing module 108 to process the payment message.

The message processing module 108 is specifically configured to:

It should be noted that although several modules of the system of accounting and message separation under bank cross-bank payment business are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.

For a clearer explanation of the above system for separating accounting and message under the bank cross-bank payment service, a specific embodiment is described below, but it should be noted that the embodiment is only for better explaining the present invention and is not to be construed as an undue limitation to the present invention.

Fig. 2 is a schematic diagram of a relationship between an accounting and a message separation system for performing inter-bank payment request processing in a bank inter-bank payment service according to an embodiment of the present invention.

As shown in fig. 2, first, a request 200 for cross bank payment is initiated, and the request is called through an external interface, so that the request 200 for cross bank payment enters a first-stage accounting distributed processor 210, in this step, a set of distributed temporary accounts (credits) are set, and each client account (debit) can be respectively matched with one distributed temporary account;

for example, customer account 1, customer account 2, customer account 3 match distributed temporary account 1;

the customer account 4 and the customer account 5 are matched with the distributed temporary account 2;

the customer accounts 6, 7 match the distributed temporary accounts 3.

In one or more embodiments of the present application, the number of the distributed temporary accounts is not limited to 3, which is only an exemplary illustration of the distributed temporary accounts, and the specific number may be increased or decreased by setting a parameter, for example, if the traffic is large, the specific number may be increased, or may be set up in groups according to dimensions such as a region and a traffic type, and may be distributed in different databases according to the traffic, or may even be placed in a distributed cache to improve the concurrency and processing speed.

The invention divides the accounting logic of the account of the debit customer for crediting the reserve payment account into two stages of processing; in the first stage, the processing logic in the distributed accounting processor 210 is the first stage, and funds in the customer account are deducted from the distributed temporary account, on one hand, once the deduction is successful, the fund security of the payment service is ensured, and a guarantee is provided for directly generating a sending payment message in the next step and remitting the funds to a collection bank. On the other hand, because the distributed temporary accounts can be arranged in plurality, the performance bottleneck of single account posting is relieved.

After the deduction is successful, two requests can be generated, one is a ready-to-pay account posting request, and the other is a payment message processing request.

With further reference to fig. 2, the accounting message separator 220 is mainly composed of two queue buffer pools, one buffer pool 221 for the pending payment account posting request and the other buffer pool 222 for the payment message processing request.

After the request types are identified, the generated ready-to-pay account posting request and the payment message processing request respectively enter a ready-to-pay account posting request buffer pool 221 and a payment message processing request buffer pool 222;

through the two independent buffer pools and the corresponding interception processing process, independent and parallel separation processing of the account keeping of the reserve payment account and the generation and transmission of the payment message can be realized.

Specifically, two monitoring processes are respectively designed corresponding to the two buffer pools to extract and handle the requests in the buffer pools.

For the buffer pool 221 of the entry request of the prepaid account, a queue monitoring serial processing process 223 can be utilized to scan the buffer pool of the entry request of the prepaid account, and when the entry request of the prepaid account is found, the second-stage accounting processor 230 is called to sequentially and serially perform accounting processing on the prepaid account;

as shown in fig. 2, distributed temporary account 1, distributed temporary account 2, distributed temporary account 3 (all debits), in turn, will debit the corresponding funds to the reserve payment account (credit); the serial processing of the accounts of the deposit accounts is adopted here, in order to meet the accounting requirements of the crediting of the deposit accounts, the accounts must be sequentially posted in one stroke to ensure the correctness of the accounts.

For the payment message processing request buffer pool 222, a queue may be used to monitor a concurrent processing process, scan the payment message processing request buffer pool, and when the payment message processing request is found, the monitoring process performs message generation and transmission according to a concurrent number calling message processing module 240, so as to achieve the effects of high concurrency and high performance. The concurrency number can be adjusted through parameter setting.

In this embodiment, because the second-stage accounting processor 230 processes accounting of the prepaid account serially and the message processing module 240 processes messages in parallel, the request processing speed of the second-stage accounting processor 230 is much slower than that of concurrent message sending, but because of the separation of the messages and the accounting, the relatively slow and error-prone task is independent of the customer accounting and the fund transfer of the customer, and becomes asynchronous processing of the internal transaction of the bank, and is not closely coupled to the customer service, and the correctness of the processing result does not affect the correctness of the customer service.

Meanwhile, because the deduction is already completed in the first stage in the aspect of accounting, under the condition, the system processing capacity can be greatly improved by utilizing a concurrent message processing mode, the rapid proceeding of customer services is ensured, and meanwhile, overdraft risks are avoided.

The system for separating accounts and messages under the bank cross-bank payment business adjusts one-step accounts of a debit client account-credit distributed intermediate account and a debit distributed intermediate account-credit backup account into two-stage processing by establishing a distributed mechanism of a plurality of intermediate temporary accounts, separates the message processing from the second-stage account processing after the account deduction of the external client account in the first stage is successful, and concurrently generates and sends payment messages, and serially performs the second-stage account processing; under the condition, even if the internal account in the second stage has problems, the account can be recovered through a subsequent compensation mechanism, the fund risk cannot occur, the normal transaction of the client cannot be influenced, and the system concurrency and the processing efficiency are improved.

Having described the method of the exemplary embodiment of the present invention, a method of separating accounting and messaging under a bank cross bank payment service of the exemplary embodiment of the present invention will be described next with reference to fig. 3.

As shown in fig. 3, the method for separating the accounting and the message under the bank cross-bank payment service provided by the present invention includes:

step S100, acquiring a cross-bank payment request;

step S200, utilizing a first-stage accounting distributed processor to match a client account in the cross-bank payment request with a distributed temporary account, and deducting funds of the client account to the distributed temporary account;

step S300, after the account deduction of the distributed temporary account is successful, generating a ready-to-pay account posting request and a payment message processing request;

step S400, according to the generated request type, sending the prepared payment account posting request to a prepared payment account posting request buffer pool, and sending a payment message processing request to a payment message processing request buffer pool;

step S500, scanning the buffer pool of the account posting request of the reserve payment account, and calling a second-stage accounting processor to sequentially and serially perform accounting processing on the reserve payment account when the account posting request of the reserve payment account is found;

step S600, scanning the payment message processing request buffer pool, and when the payment message processing request is found, concurrently calling a message processing module to process the payment message.

In an embodiment, the number of the distributed temporary accounts is set according to the traffic volume, and the accounts are distributed in different databases or placed in distributed caches, and are grouped according to regions or service types.

In an embodiment, the specific process of step S500 is:

In an embodiment, the specific process of step S600 is:

In steps S100 to S600, one-step accounting of a debit customer credit backup account is adjusted into two-stage processing of 'debit customer account-credit distributed intermediate account' and 'debit distributed intermediate account-credit backup account' by establishing a distributed mechanism of a plurality of intermediate temporary accounts, after account deduction of an external customer account in a first stage is successful, message processing and second-stage accounting processing are separated, generation and sending of a payment message are carried out concurrently, and meanwhile second-stage accounting processing is carried out serially; under the condition, even if the internal account in the second stage has problems, the account can be recovered through a subsequent compensation mechanism, the fund risk cannot occur, the normal transaction of the client cannot be influenced, and the system concurrency and the processing efficiency are improved.

It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.

In order to separate the message processing and the accounting processing from each other in a hardware level, so that the serial accounting processing and the concurrent message processing are decoupled, and the system processing capability and the response speed are greatly improved, the application provides an embodiment of an electronic device for implementing all or part of the contents in the method for separating the accounting processing and the message processing in the bank cross-bank payment service, where the electronic device specifically includes the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the electronic equipment and the user terminal and relevant equipment such as a relevant database and the like; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may refer to an embodiment of a system for separating accounts and messages in a bank-crossing payment service and an embodiment of a method for separating accounts and messages in a bank-crossing payment service in the embodiment, which are incorporated herein, and repeated details are not repeated.

Fig. 4 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 4, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 4 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the functionality of accounting and message separation under bank cross-bank payment services may be integrated into the central processor. Wherein the central processor may be configured to control:

step S100, acquiring a cross-bank payment request;

From the above description, the electronic device provided in the embodiment of the present application overcomes the bottleneck of single account posting performance, the restriction of serial posting on message processing, and the problem of tight coupling between internal transactions of a bank and external transactions of a client, which occur in current cross-bank payment, and controls the consistency and integrity of accounts processed in two stages by using a message and account separation mode, thereby improving posting concurrency and processing efficiency, effectively eliminating the situation that external client transactions have problems due to a back-up account posting fault, avoiding the internal problem from affecting the outside, avoiding the local fault from affecting the global, and improving user experience.

In another embodiment, the system for separating accounts and messages in the bank cross-bank payment service may be configured separately from the central processor 9100, for example, the system for separating accounts and messages in the bank cross-bank payment service may be configured as a chip connected to the central processor 9100, and the function of separating accounts and messages in the bank cross-bank payment service is realized through the control of the central processor.

As shown in fig. 4, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 4; further, the electronic device 9600 may further include components not shown in fig. 4, which may be referred to in the art.

As shown in fig. 4, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

An embodiment of the present application further provides a computer-readable storage medium capable of implementing all steps in the method for separating accounting and messages in the bank cross-bank payment service in the foregoing embodiment, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the method for separating accounting and messages in the bank cross-bank payment service in which an execution subject is a server or a client in the foregoing embodiment, for example, when the processor executes the computer program, the processor implements the following steps:

step S100, acquiring a cross-bank payment request;

From the above description, it can be seen that the computer-readable storage medium provided in the embodiment of the present application overcomes the bottleneck of single account posting performance, the restriction of serial posting on message processing, and the problem of tight coupling between internal transactions of a bank and external transactions of a client that occur in current cross-bank payment, and controls the consistency and integrity of accounts processed in two stages by using a message and account separation mode, thereby improving posting concurrency and processing efficiency, effectively eliminating the situation that external client transactions have problems due to a posting fault of a back-up money account, avoiding the situation that internal problems affect the outside, local faults affect the global, and improving user experience.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, 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, and the like) having computer-usable program code embodied therein.

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

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A system for separating accounts and messages under bank cross-bank payment business is characterized by comprising:

2. The system of claim 1, wherein the number of the distributed temporary accounts is set according to the amount of the service, and the distributed temporary accounts are distributed in different databases or distributed caches, and are grouped according to regions or service types.

3. The system for separating accounting and message in the bank cross-bank payment service of claim 1, wherein the accounting request monitoring module is specifically configured to:

the second stage accounting processor is specifically configured to:

4. The system for separating accounts from messages in a cross-bank payment service of claim 1, wherein the message request monitoring module is specifically configured to:

the message processing module is specifically configured to:

5. A method for separating accounts and messages under bank cross-bank payment business is characterized by comprising the following steps:

acquiring a cross-bank payment request;

6. The method of claim 5, wherein the number of the distributed temporary accounts is set according to the amount of the business, and the distributed temporary accounts are distributed in different databases or distributed caches, and are grouped according to regions or business types.

7. The method of claim 5, wherein the buffer pool of the deposit request is scanned, and when the deposit request of the deposit account is found, the second stage accounting processor is invoked to serially process the accounts of the deposit account in turn, further comprising:

8. The method of claim 5, wherein the payment message processing request buffer pool is scanned, and when the payment message processing request is found, a message processing module is concurrently invoked to process a payment message, further comprising:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 5 to 8 when executing the computer program.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 5 to 8.