CN110866757B - Overdraft prevention method and device for electronic account - Google Patents
Overdraft prevention method and device for electronic account Download PDFInfo
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- CN110866757B CN110866757B CN201911133652.1A CN201911133652A CN110866757B CN 110866757 B CN110866757 B CN 110866757B CN 201911133652 A CN201911133652 A CN 201911133652A CN 110866757 B CN110866757 B CN 110866757B
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- 238000000034 method Methods 0.000 title claims abstract description 32
- 230000002265 prevention Effects 0.000 title claims abstract description 17
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- 230000004044 response Effects 0.000 abstract description 6
- 238000012545 processing Methods 0.000 description 22
- 230000007246 mechanism Effects 0.000 description 9
- 238000004590 computer program Methods 0.000 description 6
- 230000008569 process Effects 0.000 description 6
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The invention provides a overdraft prevention method and device for an electronic account. The method comprises the following steps: in overdrawing checking transactions, locking an electronic account to be checked by using a logic lock; checking whether the electronic account is overdrawn by comparing the payment amount with the balance of the electronic account; after the check is completed, the logical lock that locked the electronic account is immediately released in the overdraft check transaction. The overdraft prevention method and device for the electronic account can improve concurrency and response time of the electronic account system and experience of clients.
Description
Technical Field
The present invention relates to the technical field of financial information processing, and in particular, to a method and an apparatus for preventing overdraft of an electronic account.
Background
Electronic account systems often have electronic account deduction and posting which are concurrent with multiple payment channels, and in order to prevent overdrawing or locking of the electronic account, different technical methods are adopted by each electronic account system to prevent the problems. When the same electronic account has a large concurrent deduction condition, some systems consider imperfection, and the balance of the electronic account is not strictly checked, so that overdraft of the electronic account is caused; some systems, although using a row lock of a database, bring a risk of system performance degradation; the mechanism of database row lock can not smoothly transition when supporting various databases and adopting database splitting and table splitting, and can not support the imperfect or inapplicable situation; some systems lock the electronic account first and then check the balance of the electronic account, and the processing mechanism locks resources in the whole transaction processing process, so that the system resource waste is caused, the performance of the system and the transaction response time are influenced, the concurrency of service processing is reduced, and the satisfaction degree of clients is reduced.
Based on the above situation, how to design a method capable of effectively preventing overdraft of the electronic account under the condition of concurrent transaction of multiple payment channels, improving system performance and throughput, enhancing customer experience, and ensuring that the electronic account is safe and reliable is called a big pain point of the electronic account system.
Disclosure of Invention
The invention aims to solve the technical problem of providing an overdraft prevention method and device for an electronic account, which can improve the concurrency and response time of the electronic account system and the experience of clients.
In order to solve the technical problems, the invention provides a overdraft prevention method for an electronic account, which comprises the following steps: in overdrawing checking transactions, locking an electronic account to be checked by using a logic lock; checking whether the electronic account is overdrawn by comparing the payment amount with the balance of the electronic account; after the check is completed, the logical lock that locked the electronic account is immediately released in the overdraft check transaction.
In some implementations, the logical lock is identified with an identification number of the locked electronic account; releasing a logical lock that locks an electronic account, comprising: and unlocking the logic lock according to the identification number of the electronic account for identifying the logic lock.
In some embodiments, after the electronic account is locked using the logical lock, no other applications are allowed access to all of the business data associated with the electronic account.
In some embodiments, further comprising: before the electronic account to be checked is locked by using the logic lock, overdrawing checking transaction is adopted to check the electronic account information and transaction information associated with the electronic account in a unified way.
In some embodiments, the content of the unified check involves: account limit checking, account password checking, account security authentication mode checking, transaction limit checking, blacklist checking, account available balance checking.
In some implementations, the account limit check is a check of whether an account limit condition is met in the current transaction; the account password checking is checking of the security of the account password; the account security authentication mode check is a check of whether the security authentication mode adopted in the current transaction is legal or not; the transaction limit check is a check of whether the current transaction exceeds the transaction limit of the account; the blacklist checking is a checking of whether the transaction object is a shielding object in the blacklist; the account available balance check is to check whether the account available balance meets the business requirements of the payment.
In some embodiments, further comprising: after checking whether the electronic account is overdrawn by comparing the payment amount with the balance of the electronic account, the balance of the account is updated according to the lender and the transaction amount of the transaction occurring before the logical lock locking the electronic account is immediately released in the overdrawn checking transaction.
In some embodiments, further comprising: after checking whether the electronic account is overdrawn by comparing the payment amount with the balance of the electronic account, the submitting of the database transaction is performed before the logical lock that locks the electronic account is immediately released from the overdrawn checking transaction.
In addition, the invention also provides an overdraft prevention device of the electronic account, which comprises: one or more processors; and a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the overdraft prevention method for electronic accounts according to the foregoing.
With such a design, the invention has at least the following advantages:
the novel method for preventing overdraft of the electronic account is provided, and the concurrency and response time of the electronic account system and the experience of clients are improved. The device is controlled according to the business processing flow of the electronic account system, and adopts a simple, efficient and general technical method to achieve the purpose of preventing overdraft of the electronic account and reduce the complexity of the electronic account system.
Drawings
The foregoing is merely an overview of the present invention, and the present invention is further described in detail below with reference to the accompanying drawings and detailed description.
FIG. 1 is a flow chart of a method for preventing overdraft of an electronic account provided by an embodiment of the invention;
fig. 2 is a block diagram of an overdraft prevention device for an electronic account according to an embodiment of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings, it being understood that the preferred embodiments described herein are for illustration and explanation of the present invention only, and are not intended to limit the present invention.
Fig. 1 shows a flowchart of the overdraft prevention method for an electronic account provided by the invention. Referring to fig. 1, the overdraft prevention method of the electronic account includes:
s11, uniformly checking the electronic account information and the associated information associated with the electronic account by adopting overdraft checking transaction.
Electronic account checking, mainly comprising: and checking various services such as account passwords, account available balance checking and the like, and adopting a parallel checking mode for improving the system performance.
Electronic account checking includes checking account information, transaction information of an occurring service, such as: account restriction checking, account password checking, account security authentication mode checking, transaction quota checking, blacklist checking, account available balance checking and the like, and in order to improve the system performance, a parallel checking mode is adopted, namely: and all the inspection is performed simultaneously, and finally the inspection results are unified and combined. If one of the checks fails, an error is returned and the transaction is terminated; if each check item passes, the subsequent business processing is continued.
S12, locking the electronic account to be checked by using the logic lock in the overdraft checking transaction.
And locking the electronic account, wherein after the preamble business of the electronic account passes the inspection, the electronic account is ready to be subjected to the locking processing before the processing time point of the account, and the unique identification of the electronic account is used as the locking identification of the logic lock by using the logic locking mechanism provided by the system at the moment to carry out the locking processing of the logic lock on the electronic account participating in the transaction.
After the electronic account preamble business is checked and passed, preparing a mobile account processing time point, adopting a logic lock provided by a system at the moment, using a unique identification of the electronic account as a logic lock locking identification, and carrying out logic lock locking processing on the electronic account participating in the transaction to ensure the safety and the monetary accuracy of the balance of the electronic account; and simultaneously, the requirements of using different databases and the database and table splitting requirements of a distributed system are met.
After the locking process, other transactions can not access the business data of the electronic account except for the overdraft check transaction which is currently executing overdraft check.
S13, comparing the payment amount with the balance of the electronic account to check whether the electronic account is overdraft or not.
And checking the balance of the electronic account, wherein in order to prevent overdrawing of the balance of the account, checking the balance of the account again at the moment, ensuring that the available balance of the account is more than or equal to the payment amount and meeting the business requirement of payment.
In order to prevent overdraft of the balance of the electronic account, at this time, checking the balance of the electronic account again, namely whether the available balance of the electronic account is more than or equal to the payment amount, if the condition is met, continuing the transaction, otherwise reporting errors to terminate the transaction and releasing the logical lock of the electronic account, thereby ensuring that the electronic account is not overdraft.
S14, updating the balance of the account according to the lender and the transaction amount generated by the transaction.
Updating the balance of the electronic account, and updating the balance of the electronic account according to the lender and the transaction amount of the transaction.
Updating the balance of the account according to the lender and the transaction amount of the transaction.
S15, submitting the database transaction.
And after the database transaction is submitted and the balance of the electronic account is updated, the database transaction can be submitted directly, and the consistency of the whole business processing is ensured.
And submitting the database transaction, namely after updating the balance of the electronic account, submitting the database transaction, and ensuring the consistency of the whole business processing.
S16, immediately unlocking the logic lock for locking the electronic account in the overdraft checking transaction.
Unlocking the electronic account, unlocking the logic lock of the electronic account, and unlocking the logic lock according to the identification when the electronic account is locked, so that the integrity of the whole service processing and the normal operation of the subsequent service are ensured.
Releasing the logic lock of the electronic account, and unlocking the logic lock according to the unique identifier of the electronic account used for locking, so that the integrity of the whole service processing and the normal operation of the follow-up service are ensured.
The invention aims to provide a novel method for preventing overdraft of an electronic account, which improves the concurrency and response time of the electronic account system and the experience of clients. The device is controlled according to the business processing flow of the electronic account system, and adopts a simple, efficient and general technical method to achieve the purpose of preventing overdraft of the electronic account and reduce the complexity of the electronic account system.
Through the double balance checking mechanism of the steps S11 and S13, on one hand, the time for locking system resources is reduced in the transaction execution process, the concurrency of the system payment transaction and the performance of system processing are improved, and meanwhile, the reliability of electronic account balance checking is ensured, namely, the overdrawing of the electronic account balance is completely prevented.
Through the logical locking and unlocking mechanism of the electronic account in the steps S12 and S16, the safety, the accuracy and the concurrency of the balance updating of the electronic account are ensured; and meanwhile, support to different databases and applicability under the condition of database and table division of a distributed system are improved, and expansibility and universality of the system are improved.
The invention thoroughly realizes the prevention of overdrawing of the electronic account under the condition of concurrent transaction of multiple payment channels, improves the concurrency of the payment transaction of the system and the performance of the processing of the system, has simple and universal technical realization, and helps banks to improve the business innovation capability and the experience of clients.
Fig. 2 is a structural view of the overdraft prevention device of the electronic account of the present invention. Referring to fig. 2, the overdraft prevention device of the electronic account includes: a Central Processing Unit (CPU) 201, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) or a program loaded from a storage section 508 into a Random Access Memory (RAM) 203. In the RAM 203, various programs and data required for the system operation are also stored. The CPU 201, ROM 202, and RAM 203 are connected to each other through a bus 204. An input/output (I/O) interface 205 is also connected to bus 204.
The following components are connected to the I/O interface 205: an input section 206 including a keyboard, a mouse, and the like; an output portion 207 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage section 208 including a hard disk or the like; and a communication section 209 including a network interface card such as a LAN card, a modem, and the like. The communication section 209 performs communication processing via a network such as the internet. The drive 210 is also connected to the I/O interface 205 as needed. A removable medium 211 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed on the drive 210 as needed, so that a computer program read out therefrom is installed into the storage section 208 as needed.
In particular, according to embodiments of the present invention, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present invention include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flowcharts. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 209, and/or installed from the removable medium 211. The above-described functions defined in the method of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 201.
The invention aims to provide a novel method for preventing overdrawing of an electronic account, which reduces the complexity of system technology implementation and improves the concurrency, response time and customer experience of the electronic account system. The device is controlled according to the business processing flow of each electronic account system, so as to achieve the purpose of preventing overdraft of the electronic account.
Electronic account logical locking mechanism: the logic locking mechanism provided by the system is simple and efficient, so that the safety, the accuracy and the concurrency of balance updating of the electronic account are ensured; simultaneously, support to different databases and applicability under the condition of database and table division of a distributed system are improved, and expansibility and universality of the system are improved;
electronic account double balance checking mechanism: checking the balance of the electronic account twice, checking the balance for the first time, and filtering the electronic account which does not meet the balance checking condition without locking the system resources as the primary service check; the second balance verification is performed after the logic locking of the electronic account, and due to the uniqueness of program execution after the logic locking, the current verified account balance is ensured to be the latest balance of the electronic account, so that the electronic account is ensured not to be overdrawn. By means of the double balance checking mechanism, on one hand, in the transaction execution process, the time for locking system resources is reduced, the concurrency of system payment transaction and the performance of system processing are improved, meanwhile, the reliability of electronic account balance checking is guaranteed, and the situation of overdrawing of the electronic account balance is completely prevented.
The above description is only of the preferred embodiments of the present invention, and is not intended to limit the invention in any way, and some simple modifications, equivalent variations or modifications can be made by those skilled in the art using the teachings disclosed herein, which fall within the scope of the present invention.
Claims (5)
1. A method for preventing overdraft in an electronic account, comprising:
and uniformly checking the electronic account information and the associated information associated with the electronic account by adopting overdraft checking transaction, wherein the content of the uniform checking relates to: checking account limit, checking account password, checking account security authentication mode, checking transaction limit, checking blacklist and checking account available balance; if any item of associated information is not checked, an error is returned, and the transaction is terminated; if the inspection is completely passed, continuing the subsequent steps;
in overdrawing checking transactions, locking an electronic account to be checked by using a logic lock;
checking whether the electronic account is overdrawn by comparing the payment amount with the balance of the electronic account;
updating the balance of the account according to the lender and the transaction amount of the transaction;
after the check is completed, the logical lock that locked the electronic account is immediately released in the overdraft check transaction.
2. The method of claim 1, wherein the logical lock is identified with an identification number of the locked electronic account;
a logical lock for immediately unlocking an electronic account in a overdraft check transaction, comprising: and unlocking the logic lock according to the identification number of the electronic account for identifying the logic lock.
3. The overdraft prevention method of an electronic account according to claim 1, wherein the account restriction check is a check of whether an account restriction condition is satisfied in a current transaction;
the account password checking is checking of the security of the account password;
the account security authentication mode check is a check of whether the security authentication mode adopted in the current transaction is legal or not;
the transaction limit check is a check of whether the current transaction exceeds the transaction limit of the account;
the blacklist checking is a checking of whether the transaction object is a shielding object in the blacklist;
the account available balance check is to check the available balance of the electronic account to see if the balance can meet the payment business requirements.
4. The method for preventing overdraft in an electronic account according to claim 1, further comprising:
after checking whether the electronic account is overdrawn by comparing the payment amount with the balance of the electronic account, the submitting of the database transaction is performed before the logical lock that locks the electronic account is immediately released from the overdrawn checking transaction.
5. An overdraft prevention device for an electronic account, comprising:
one or more processors;
storage means for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the overdraft prevention method of an electronic account according to any one of claims 1 to 4.
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| CN201911133652.1A CN110866757B (en) | 2019-11-19 | 2019-11-19 | Overdraft prevention method and device for electronic account |
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| CN113506170A (en) * | 2021-07-27 | 2021-10-15 | 中国工商银行股份有限公司 | Method, system, apparatus, storage medium and article for remittance |
| CN117271546B (en) * | 2023-11-23 | 2024-03-01 | 卓望数码技术（深圳）有限公司 | Method, device, equipment and storage medium for processing concurrent access of resources |
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