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CN107358525B - Account transaction method and device - Google Patents

Account transaction method and device Download PDF

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Publication number
CN107358525B
CN107358525B CN201710493124.1A CN201710493124A CN107358525B CN 107358525 B CN107358525 B CN 107358525B CN 201710493124 A CN201710493124 A CN 201710493124A CN 107358525 B CN107358525 B CN 107358525B
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account
amount
transaction
asset entity
transaction request
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CN107358525A (en
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姚前
狄刚
钱友才
黄烈明
陈海波
赵新宇
王继伟
张大伟
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Digital Currency Institute of the Peoples Bank of China
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Digital Currency Institute of the Peoples Bank of China
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00Arrangements for program control, e.g. control units
    • G06F9/06Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/46Multiprogramming arrangements
    • G06F9/50Allocation of resources, e.g. of the central processing unit [CPU]
    • G06F9/5005Allocation of resources, e.g. of the central processing unit [CPU] to service a request

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  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
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  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides an account transaction method and device, which comprises the steps of receiving a transaction request; extracting from the account, based on the monetary value, an asset entity that is greater than or equal to the amount of the transaction request; executing the transaction request on the extracted asset entity to generate a new asset entity, and then writing the new asset entity into a current account. Therefore, the account transaction method and the account transaction device can enable account transaction to be more flexible and quicker.

Description

Account transaction method and device
Technical Field
The invention relates to the technical field of computers, in particular to an account transaction method and device.
Background
There are two major fundamental elements in human economic activities, assets and asset owners, respectively. A transaction may then be defined as the transfer of an asset between different owners. With the development of computer information technology, it is becoming more and more common to manage and execute the economic activities of people by using computer technology to facilitate the trading and transferring of assets. An account management system in the field of computer informatization is an abstract user or an owner which is a basic dimension and records the number of units owned by the user according to application requirements.
Based on an account management system, each transaction needs to be locked, and the transaction is unlocked after being completed or cancelled. During the account read decision and transaction, the transaction can only wait for processing in a queued manner. In other words, the process of the account transaction can only be single-threaded, and the concurrent efficiency of the transaction cannot be improved through multiple threads or other modes. In addition, in the account system, the account data is directly read, the transaction record sets which are independently recorded do not have direct correlation, the correctness of the account is mainly ensured by transaction, and errors or falsifications are easy to occur. Meanwhile, it is difficult to implement an asset or transaction-related application extension only by the unit number.
Currently, a data processing method using utxo (open Transaction outputs) model, which does not pay attention to an account, reads a sufficient amount when a Transaction occurs, and a non-spending entity owned by a paying party, takes it as an input and locks it. And then generating entity data owned by the receiving party and the change making entity owned by the paying party according to the transaction amount. Finally, the state of the input entity is modified to be spent.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art: the transaction processing process based on the account can only be single-threaded, and the concurrent efficiency of the transaction cannot be improved through multiple threads or other modes. In addition, in the account system, data are directly read, direct correlation does not exist between transaction record sets which are independently recorded, the correctness of the account is mainly guaranteed by transaction transactions, and errors or falsifications are easy to occur. Meanwhile, it is difficult to implement an asset or transaction-related application extension only by the unit number. In addition, because the UTXO model performs data management and transaction execution on an entity-based dimension, the generated data volume is large and dispersed, and requirements related to a statistical analysis function and supervision commonly used in a mainstream information system are difficult to meet.
Disclosure of Invention
In view of this, the present invention provides an account transaction method and apparatus, which can make account transaction more flexible and faster.
To achieve the above object, according to one aspect of the present invention, there is provided an account transaction method.
The account transaction method comprises the following steps: receiving a transaction request; extracting from the account, based on the monetary value, an asset entity that is greater than or equal to the amount of the transaction request; executing the transaction request on the extracted asset entity to generate a new asset entity, and then writing the new asset entity into a current account.
Optionally, the extracting from the account, according to the monetary value, an asset entity greater than or equal to the amount of the transaction request includes: determining whether a monetary value is present in the account in an amount greater than or equal to the amount of the transaction request; if so, extracting the asset entity of the amount corresponding to the currency value as the asset entity extracted from the account; otherwise, adding the amounts of at least two currency values existing in the account, and when the result is larger than or equal to the amount of the transaction request, extracting the asset entity with the amount corresponding to the at least two currency values as the asset entity extracted from the account.
Optionally, when the asset entity with the amount corresponding to the monetary currency value is extracted as the asset entity extracted from the account, the method includes: confirming that there are a plurality of monetary denominations having an amount greater than or equal to the amount requested for the transaction, and then drawing a monetary denomination of the minimum amount, and drawing the asset entity of the amount corresponding to the monetary denomination as the asset entity drawn from the account.
Optionally, the amounts of at least two monetary values present in the account are added, and when there are a plurality of addition results greater than or equal to the amount of the transaction request, at least two monetary values having the smallest addition result are extracted, and then the asset entity of the amount corresponding to the at least two monetary values is taken as the asset entity extracted from the account.
Optionally, the step of receiving a transaction request comprises: receiving a plurality of transaction requests; said extracting from the account, based on the monetary denomination, an asset entity greater than or equal to the amount of the transaction request, comprising: confirming that the amount of the same monetary value in the account is greater than or equal to the amount of at least two transaction requests, then giving the asset entity extracted according to the monetary value to the transaction request with the smaller amount of money in the at least two transaction requests, and giving the asset entity extracted according to the other monetary value to the transaction request with the larger amount of money in the at least two transaction requests.
Optionally, before the extracting, from the account, the asset entity greater than or equal to the amount of the transaction request according to the monetary value, the method further comprises: confirming that the account is not less than the amount of the transaction request.
According to another aspect of the embodiments of the present invention, there is also provided an account transaction apparatus, including: a receiving module for receiving a transaction request; an extraction module for extracting from an account, according to a monetary denomination, asset entities greater than or equal to the amount of the transaction request; and the execution module is used for executing the transaction request on the extracted asset entity to generate a new asset entity and then writing the new asset entity into the current account.
Optionally, the extracting module is further configured to: determining whether a monetary value is present in the account in an amount greater than or equal to the amount of the transaction request; if so, extracting the asset entity of the amount corresponding to the currency value as the asset entity extracted from the account; otherwise, adding the amounts of at least two currency values existing in the account, and when the result is larger than or equal to the amount of the transaction request, extracting the asset entity with the amount corresponding to the at least two currency values as the asset entity extracted from the account.
Optionally, the extracting module is further configured to: when it is confirmed that there are a plurality of monetary denominations having an amount greater than or equal to the amount requested for the transaction, and then the monetary denomination of the minimum amount is drawn, the asset entity corresponding to the monetary denomination is drawn as the asset entity drawn from the account.
Optionally, the extracting module is further configured to: and adding the amounts of at least two monetary values existing in the account, and when a plurality of addition results are larger than or equal to the amount of the transaction request, extracting at least two monetary values with the minimum addition result, and taking the asset entity with the amount corresponding to the at least two monetary values as the asset entity extracted from the account.
Optionally, the receiving module is further configured to: receiving a plurality of transaction requests; the extraction module is further configured to: confirming that the amount of the same monetary value in the account is greater than or equal to the amount of at least two transaction requests, then giving the asset entity extracted according to the monetary value to the transaction request with the smaller amount of money in the at least two transaction requests, and giving the asset entity extracted according to the other monetary value to the transaction request with the larger amount of money in the at least two transaction requests.
Optionally, the extracting module is further configured to: confirming that the account is not less than the transaction requested amount of money before withdrawing asset entities from the account that are greater than or equal to the transaction requested amount of money in terms of monetary currency.
According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium, in which computer instructions are stored, the computer instructions being executable by a computer or a computer system, so as to enable the computer or the computer system to implement the method of any one of the above-mentioned embodiments.
According to the technical scheme of the invention, because the technical means of extracting the asset entity of which the amount is greater than or equal to the amount of the transaction request from the account according to the currency value is adopted, the technical problems that the transaction request can be processed only by a single thread and the accuracy of the account is low are solved, and the technical effects that the account can process a plurality of transaction requests simultaneously in a multithreading manner and the transaction concurrency and the transaction expandability are improved are achieved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of a method of account transactions according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a method of account transaction according to a referenced embodiment of the present invention;
fig. 3 is a schematic structural diagram of an account transaction apparatus according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of an account transaction method according to an embodiment of the present invention, as shown in fig. 1, the account transaction method includes:
step S101, a transaction request is received.
In an embodiment, the invention can receive one transaction request or a plurality of transaction requests at the same time, that is, the account of the invention can process a plurality of transaction requests at the same time, thereby realizing the processing of multi-thread transaction requests and improving the concurrency efficiency of transactions. Where the account defines the user's relevant information (e.g., name, certificate number, etc.) as well as the asset entity (which is a digital representation of the property).
And step S102, extracting the asset entity with the amount larger than or equal to the transaction request amount from the account according to the currency value.
Where the monetary value is a fixed denomination banknote (e.g., 10, 20, 50 and 100 denominations). It should be noted that the asset entity stored in the account includes at least one monetary value, but the at least one monetary value is stored in the account in a numerical representation.
In an embodiment, based on a received transaction request, an amount of the transaction request may be parsed. Then, the money amount of which is larger than or equal to the transaction request amount is searched in the account, and finally, the searched money amount is used as the extracted asset entity. It can be seen that the invention creatively splits the account according to the currency value, so that a plurality of asset entities which are separately used for transaction can be provided, thereby realizing the simultaneous processing of a plurality of transaction requests, namely simultaneously extracting the asset entities in the account according to different transaction requests.
Further, before the asset entity of the amount greater than or equal to the amount of the transaction request is extracted from the account according to the currency value, it may be determined whether the account is smaller than the amount of the transaction request, and if the account is smaller than the amount of the transaction request, it indicates that the account cannot satisfy the amount of the transaction request, so the transaction fails. If the account is not less than the amount of the transaction request, step S102 may be performed.
In a preferred embodiment, if there is a monetary value in the account that is greater than or equal to the amount requested for the transaction, then the asset entity for which the monetary value corresponds is the asset entity withdrawn from the account. However, if there is no monetary value greater than or equal to the amount of the transaction request, then the amounts of at least two monetary values present in the account may be added, and when the result of the addition is greater than or equal to the amount of the transaction request, the asset entity of the amount corresponding to the at least two monetary values is taken as the asset entity extracted from the account.
That is, if a monetary value in an account satisfies the amount requested for a transaction, the asset entity corresponding to the monetary value is directly taken from the account as the asset entity. And adding the amounts of at least two currency values in the account if one currency value cannot meet the amount of the transaction request, and taking the asset entity extracted from at least two currency values corresponding to the addition result as the asset entity extracted from the account when the addition result is greater than or equal to the amount of the transaction request. Therefore, in the embodiment, the amount requirement of the transaction request can be met in two ways, and the transaction request can be executed.
Further, if there are multiple monetary denominations in the account that are greater than or equal to the monetary value of the transaction request, such as 35 dollars in the amount of the transaction request, both the 50 dollar and 100 dollar monetary denominations present in the account may satisfy the 35 dollar transaction request. In this case, the minimum monetary value may then be the property entity withdrawn from the account (in the example above a 50 dollar monetary value may then be withdrawn). Thus, the utilization rate of the account can be improved.
Further, when none of the monetary denominations in the account satisfy the amount of the transaction request, then a plurality of monetary denominations may be added to satisfy the amount of the transaction request. However, if there are a plurality of said at least two monetary denominations in the account which add up to or are greater than the amount of said transaction request, then said at least two monetary denominations which add up the least are extracted and the asset entity of the amount corresponding to said at least two monetary denominations is taken as the asset entity extracted from the account. That is, this embodiment also maximizes the utilization of the account.
As a preferred embodiment, if a plurality of transaction requests are received and the amount of the same monetary value in the account is greater than or equal to the amount of at least two of the plurality of transaction requests, the asset entity extracted according to the monetary value is given to the transaction request having the smallest amount of money in the at least two transaction requests. For example: the two transaction requests are 25 dollars and 35 dollars respectively, and there is a 50 dollar monetary value in the account, then the 50 dollar monetary value is allocated to the transaction request for 25 dollars, and the other monetary value in the account may be allocated to the transaction request for 35 dollars (e.g., the 100 dollar monetary value present in the account is allocated to the transaction request for 35 dollars).
Step S103, executing the transaction request on the extracted asset entity to generate a new asset entity, and then writing the new asset entity into the current account.
In an embodiment, the asset entity is extracted by locking (setting to a spent state) the portion of the asset entity and then executing the transaction request to produce a new asset entity (zero if the extracted asset entity equals the amount of the transaction request; zero if the extracted asset entity is greater than the amount of the transaction request). And finally, writing the new asset entity into the current account.
It can be seen that the change of the account is closely related to the transaction request process, and all asset entities in the transaction request can trace back the source of the transaction request, so that the safety and the correctness of the account are ensured. Meanwhile, the account monitoring and counting can be more facilitated.
Fig. 2 is a schematic flow chart of an account transaction method according to a referential embodiment of the invention, and the resource dynamic configuration method may include:
in step S201, a transaction request is received.
Step S202, determining whether the account is smaller than the amount of the transaction request, if yes, directly exiting the process, otherwise, performing step S203.
Step S203, determining whether a currency value with an amount greater than or equal to the amount of the transaction request exists in the account, if so, performing step S204, otherwise, performing step S205.
In step S204, the minimum monetary value is set as the property entity extracted from the account, and step S207 is executed.
Step S205, the sum of the amounts of at least two monetary denominations in the account is calculated and obtained to be greater than or equal to the amount of the transaction request.
And step S206, the at least two currency values with the minimum addition result are extracted, and the asset entity with the amount corresponding to the at least two currency values is taken as the asset entity extracted from the account.
Step S207, executing the transaction request on the extracted asset entity to generate a new asset entity.
And step S208, writing the new asset entity into the current account.
It should be noted that, in the present invention, reference may be made to the specific implementation contents of the account transaction method described in the embodiments, which have been described in detail in the above account transaction method, so that repeated contents are not described herein.
In another aspect of the embodiment of the present invention, an account transaction apparatus is further provided, and referring to fig. 3, the account transaction apparatus 300 includes a receiving module 301, an extracting module 302, and an executing module 303. Wherein, the receiving module 301 receives a transaction request, and the extracting module 302 extracts the asset entity with the amount larger than or equal to the transaction request from the account according to the currency value. Finally, the executing module 303 executes the transaction request on the extracted asset entity to generate a new asset entity, and then writes the new asset entity into the current account.
As a reference example, the specific implementation process of the extracting module 302 extracting the asset entity with the amount greater than or equal to the transaction request from the account according to the currency value is as follows: it is determined whether a monetary value is present in the account in an amount greater than or equal to the amount of the transaction request. If there is a monetary value in the account that is greater than or equal to the amount requested for the transaction, then the asset entity for the amount corresponding to the monetary value is the asset entity withdrawn from the account. However, if there is no monetary value greater than or equal to the amount of the transaction request, then the amounts of at least two monetary values present in the account may be added, and when the result of the addition is greater than or equal to the amount of the transaction request, the asset entity of the amount corresponding to the at least two monetary values is taken as the asset entity extracted from the account.
Preferably, if there are multiple monetary denominations in the account that are greater than or equal to the monetary value of the transaction request, for example 35 dollars in the amount of the transaction request, both 50 dollar and 100 dollar monetary denominations in the account will satisfy the 35 dollar transaction request. In this case, the minimum monetary value may then be the property entity withdrawn from the account (in the example above a 50 dollar monetary value may then be withdrawn).
In another preferred embodiment, when none of the monetary values in the account satisfy the amount requested for the transaction, the sum of the monetary values may be used to satisfy the amount requested for the transaction. However, if there are a plurality of said at least two monetary denominations in the account which add up to or are greater than the amount of said transaction request, then said at least two monetary denominations which add up the least are extracted and the asset entity of the amount corresponding to said at least two monetary denominations is taken as the asset entity extracted from the account. That is, this embodiment also maximizes the utilization of the account.
As another embodiment, if the receiving module receives a plurality of transaction requests and the extracting module extracts from the account, according to the monetary denomination, asset entities having an amount greater than or equal to the amount of the transaction request, and if the amount of the same monetary denomination in the account is greater than or equal to the amount of at least two transaction requests of the plurality of transaction requests, the asset entity extracted according to the monetary denomination is given to the transaction request having the smallest amount of money of the at least two transaction requests.
In addition, before extracting the asset entity that is greater than or equal to the amount of the transaction request from the account according to the monetary value, the extracting module 302 may first determine whether the account is smaller than the amount of the transaction request, and if the account is smaller than the amount of the transaction request, it indicates that the account cannot satisfy the amount of the transaction request, so the transaction fails. If the account is not less than the transaction request amount, then asset entities greater than or equal to the transaction request amount may be extracted from the account based on monetary currency values.
It should be noted that, in the embodiment of the account transaction apparatus according to the present invention, the details of the account transaction method described above have been described in detail, and therefore, the repeated contents are not described again.
According to the technical scheme of the embodiment of the invention, as the technical means of extracting the asset entity of which the amount is greater than or equal to the amount of the transaction request from the account according to the currency value is adopted, the technical problems that the transaction request can be processed only by a single thread and the accuracy of the account is low are solved, and the technical effects that the account can process a plurality of transaction requests simultaneously in a multithreading manner and the transaction concurrency and the transaction expandability are improved are achieved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (11)

1. An account transaction method, comprising:
receiving a transaction request;
extracting from the account, based on the monetary value, an asset entity that is greater than or equal to the amount of the transaction request;
executing the transaction request on the extracted asset entity to generate a new asset entity, and then writing the new asset entity into a current account;
wherein the step of receiving a transaction request comprises: receiving a plurality of transaction requests;
said extracting from the account, based on the monetary denomination, an asset entity greater than or equal to the amount of the transaction request, comprising: confirming that the amount of the same monetary value in the account is greater than or equal to the amount of at least two transaction requests, then giving the asset entity extracted according to the monetary value to the transaction request with the smaller amount of money in the at least two transaction requests, and giving the asset entity extracted according to the other monetary value to the transaction request with the larger amount of money in the at least two transaction requests.
2. The method of claim 1, wherein extracting from the account, based on the monetary value, asset entities greater than or equal to the amount of the transaction request comprises:
determining whether a monetary value is present in the account in an amount greater than or equal to the amount of the transaction request;
if so, extracting the asset entity of the amount corresponding to the currency value as the asset entity extracted from the account; otherwise, adding the amounts of at least two currency values existing in the account, and when the result is larger than or equal to the amount of the transaction request, extracting the asset entity with the amount corresponding to the at least two currency values as the asset entity extracted from the account.
3. The method of claim 2, wherein extracting the asset entity corresponding to the monetary value as the asset entity extracted from the account comprises:
confirming that there are a plurality of monetary denominations having an amount greater than or equal to the amount requested for the transaction, and then drawing a monetary denomination of the minimum amount, and drawing the asset entity of the amount corresponding to the monetary denomination as the asset entity drawn from the account.
4. The method of claim 2, wherein the amounts of at least two monetary denominations present in the account are added, and when there are a plurality of additions greater than or equal to the amount of the transaction request, at least two monetary denominations having the smallest addition are extracted, and the asset entity of the amount corresponding to the at least two monetary denominations is taken as the asset entity extracted from the account.
5. The method of claim 1, wherein prior to extracting from the account, based on the monetary value, an asset entity greater than or equal to the amount of the transaction request, further comprising: confirming that the account is not less than the amount of the transaction request.
6. An account transaction apparatus, comprising:
a receiving module for receiving a transaction request;
an extraction module for extracting from an account, according to a monetary denomination, asset entities greater than or equal to the amount of the transaction request;
the execution module is used for executing the transaction request on the extracted asset entity to generate a new asset entity and then writing the new asset entity into a current account;
wherein the receiving module is further configured to: receiving a plurality of transaction requests;
the extraction module is further configured to: confirming that the amount of the same monetary value in the account is greater than or equal to the amount of at least two transaction requests, then giving the asset entity extracted according to the monetary value to the transaction request with the smaller amount of money in the at least two transaction requests, and giving the asset entity extracted according to the other monetary value to the transaction request with the larger amount of money in the at least two transaction requests.
7. The apparatus of claim 6, wherein the extraction module is further configured to:
determining whether a monetary value is present in the account in an amount greater than or equal to the amount of the transaction request;
if so, extracting the asset entity of the amount corresponding to the currency value as the asset entity extracted from the account; otherwise, adding the amounts of at least two currency values existing in the account, and when the result is larger than or equal to the amount of the transaction request, extracting the asset entity with the amount corresponding to the at least two currency values as the asset entity extracted from the account.
8. The apparatus of claim 7, wherein the extraction module is further configured to:
when it is confirmed that there are a plurality of monetary denominations having an amount greater than or equal to the amount requested for the transaction, and then the monetary denomination of the minimum amount is drawn, the asset entity corresponding to the monetary denomination is drawn as the asset entity drawn from the account.
9. The apparatus of claim 7, wherein the extraction module is further configured to: and adding the amounts of at least two monetary values existing in the account, and when a plurality of addition results are larger than or equal to the amount of the transaction request, extracting at least two monetary values with the minimum addition result, and taking the asset entity with the amount corresponding to the at least two monetary values as the asset entity extracted from the account.
10. The apparatus of claim 6, wherein the extraction module is further configured to: confirming that the account is not less than the transaction requested amount of money before withdrawing asset entities from the account that are greater than or equal to the transaction requested amount of money in terms of monetary currency.
11. A computer-readable storage medium having computer instructions stored thereon, the computer instructions being executable by a computer or a computer system to cause the computer or computer system to perform the method of any one of claims 1 to 5.
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