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CN109255702A - Change account is opened an account the method and device of mechanism - Google Patents

Change account is opened an account the method and device of mechanism
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Publication number
CN109255702A
CN109255702ACN201811082653.3ACN201811082653ACN109255702ACN 109255702 ACN109255702 ACN 109255702ACN 201811082653 ACN201811082653 ACN 201811082653ACN 109255702 ACN109255702 ACN 109255702A
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China
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account
sub
main
change
main account
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CN201811082653.3A
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Chinese (zh)
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CN109255702B (en
Inventor
张鹏
董佳烨
陈亚坤
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Bank of China Ltd
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Bank of China Ltd
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Abstract

It opens an account the method and device of mechanism, opens an account the request of mechanism this method comprises: receiving change account, the request includes the mark of user's main account this application discloses a kind of change account;Obtain the quantity of sub- account under the corresponding main account of mark of the main account;If the quantity of the sub- account is greater than or equal to amount threshold, the mark of the main account is added into reservation table;It is reached when specified time, the corresponding main account of mark for verifying main account in the reservation table and the sub- account under main account;The successful main account of verification and sub- account are executed and change mechanism processing of opening an account.The application can reduce bank clerk operate Account Changes open an account mechanism when required completion workload, and weaken change account and open an account influence of the processing for other account on-line transactions of mechanism.

Description

Change account is opened an account the method and device of mechanism
Technical field
It opens an account the method and dress of mechanism this application involves banking processing technology field more particularly to a kind of change accountIt sets.
Background technique
The mechanism that opens an account of account is that the bank outlets to open an account are handled for the account.When the change of the location of user, or due toUser for account changes in demand when, can go in bank change account the mechanism that opens an account.If the account of user is companyDeposit a family it is logical or it is regular one it is logical etc., under main account and main account for executing the account of the sub- account of various operationsWhen, bank clerk, which needs to be manually operated, is transferred to target from the original mechanism that opens an account for the main account of the user and all sub- accountsOpen an account mechanism, opens an account the process of mechanism this completes change account.
But with the increase of banking type, the sub- account that user opens an account is also more and more, meanwhile, have altered accountFamily open an account mechanism demand user it is also more and more, so not only change account open an account mechanism when just need to expend a large amount of whenBetween, it returns bank clerk and brings more workload.Also, taking considerable time that change account opens an account the process of mechanismIn, bank can lock other accounts being registered in database with main account in same tables of data, and locked account cannotAny operation is executed, the on-line transaction of locked account can thus be produced bigger effect.
Summary of the invention
The embodiment of the present application provides a kind of change account and opens an account the method for mechanism, is operating to reduce bank clerkAccount Changes open an account mechanism when required completion workload, and weaken change account open an account mechanism processing for other accountsThe influence of on-line transaction, this method comprises:
It receives change account to open an account the request of mechanism, the request includes the mark of user's main account;Obtain the main accountThe quantity of sub- account under the corresponding main account of mark at family;If the quantity of the sub- account is greater than or equal to amount threshold,The mark of the main account is added into reservation table;It is reached when specified time, verifies the mark pair of main account in the reservation tableSub- account under the main account and main account answered;The successful main account of verification and sub- account are executed and change mechanism processing of opening an account.
The embodiment of the present application also provides a kind of change account and opens an account the device of mechanism, is grasping to reduce bank clerkThe workload of required completion when opening an account mechanism as Account Changes, and weaken change account open an account mechanism processing for other accountsThe influence of family on-line transaction, the device include:
Receiving module is opened an account the request of mechanism for receiving change account, and the request includes the mark of user's main account;Module is obtained, the number of sub- account under the corresponding main account of mark for obtaining the received main account of the receiving moduleAmount;The quantity of adding module, the sub- account for obtaining when the acquisition module is greater than or equal to amount threshold, then to pre-The mark of the main account is about added in table;Correction verification module verifies the adding module and is added to for reaching when specified timeThe corresponding main account of mark of main account and the sub- account under main account in the reservation table;Module is changed, for the schoolIt tests the module successful main account of verification and sub- account executes and changes mechanism processing of opening an account.
The embodiment of the present application also provides a kind of computer equipment, including memory, processor and storage are on a memory simultaneouslyThe computer program that can be run on a processor realizes that change account is opened an account machine when the processor executes the computer programThe method of structure.
The embodiment of the present application also provides a kind of computer readable storage medium, and the computer-readable recording medium storage hasExecute change account open an account mechanism method computer program.
The embodiment of the present application is opened an account mechanism with the change for completing whole accounts operate by bank clerk in the prior artThe technical solution of processing is compared, and in the application, needs the mark for the account for changing the mechanism that opens an account to be added into reservation table part,The change for being automatically performed account in reservation table is opened an account the processing of mechanism, is reduced bank clerk and is opened an account in operation Account ChangesThe workload of required completion when mechanism.Also, it is just verified and is changed account after at the appointed time reaching to open an account the behaviour of mechanismMake, that is to say, that the application reserves can open an account to Account Changes time of mechanism, in the prior art, needs immediatelyChange account the mechanism that opens an account compare, increase the flexibility of processing, reduce change account open an account mechanism processing for itThe influence of his account on-line transaction.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show belowThere is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only thisSome embodiments of application for those of ordinary skill in the art without creative efforts, can be withIt obtains other drawings based on these drawings.In the accompanying drawings:
Fig. 1 is that change account is opened an account the method flow diagram of mechanism in the embodiment of the present application;
Fig. 2 is that change account is opened an account the structure drawing of device of mechanism in the embodiment of the present application.
Specific embodiment
For the purposes, technical schemes and advantages of the embodiment of the present application are more clearly understood, with reference to the accompanying drawing to this ShenPlease embodiment be described in further details.Here, illustrative embodiments of the present application and the description thereof are used to explain the present application, but simultaneouslyNot as the restriction to the application.
The embodiment of the present application provides a kind of change account and opens an account the method for mechanism, and this method is applied to such as computer or serviceThe network equipment of the execution banking processing operation such as device.As described in Figure 1, the method comprising the steps of 101 to step 105:
Step 101 receives change account and opens an account the request of mechanism.
Wherein, change account open an account mechanism request in include user's main account mark.The change is opened an account the asking of mechanismTo ask can be initiated by user, or the requirement by bank clerk according to user is initiated, and be opened an account the request of mechanism for changePromoter is not limited thereto.
Wherein, when mark can open an account for account, bank is unique serial number of account distribution, is also possible in the accountAccount, which can be made of symbols such as number, letters.For the particular content of mark, it is not limited thereto.
Step 102, the quantity for identifying sub- account under corresponding main account for obtaining main account.
It should be noted that main account and sub- account are stored in the mark according to main account, the network equipment can determine thisMain account, and the sub- account under main account can be determined according to the main account that bank is arranged and the corresponding relationship of sub- account therewith.
Step 103, the quantity of such as fruit account are greater than or equal to amount threshold, then the mark of main account is added into reservation tableKnow.
Optionally, as the quantity of fruit account be less than amount threshold, then in real time change main account the corresponding main account of markThe mechanism that opens an account of sub- account under the corresponding main account of the mark at family and main account.
In the embodiment of the present application, the mark of main account is added into reservation table, the mark without adding sub- account canWith reduce the network equipment read one by one sub- account and by sub- account mark write-in reservation table in time, saved the network equipmentRead and be written the resource called needed for the mark of sub- account.
Optionally, it is contemplated that the quantity of sub- account is more, longer the time required to when change account opens an account mechanism, in order to the greatest extentIt is likely to reduced in the time of bank reception client, change is opened an account the time that this business of mechanism occupies, and quantity threshold can be setValue changes account being limited in bank in the time of reception client in real time and opens an account the account quantity of mechanism, thus by sub- account numberMeasure it is less, also just enable change account open an account mechanism treatment process in the time required to less account completes to change in real time to open an accountMechanism processing, and a fairly large number of account of sub- account changes the mechanism that opens an account in the time that bank does not receive client.
Optionally, it is contemplated that the quantity of the sub- account under some main accounts is more, after some time it is possible to reach hundreds and thousands of, if willMultiple main accounts including more sub- account are written in the same reservation table, and the mark of sub- account is also written in advance in subsequent stepAbout after table, the data volume being written in reservation table is excessive, cause to change one by one account open an account mechanism the processing time it is longer, locate simultaneouslyA possibility that occurring mistake when reason increases, in the embodiment of the present application, can be set it is multiple can parallel processing reservation table, it is differentIt is mutually indepedent between reservation table.The quantity of the main account for including and sub- account in each reservation table balanced in this way, protects its quantityHolding, which had both reduced single reservation table Account Changes in state appropriate, opens an account time of mechanism, while parallel processing reduces againNeed to be changed the processing time of the account for the mechanism that opens an account.
Wherein, in the multiple reservation tables of above-mentioned setting, account can be subdivided into different provinces pair according to the difference in provinceIn the reservation table answered.Illustratively, the account that the mechanism that original can be opened an account belongs to identical province is written in the same reservation table, such asBy original open an account mechanism belong to Pekinese's account be written a reservation table, by original open an account mechanism belong to Hebei account write-in it is sameReservation table.Alternatively, the same reservation table is written in the account that mechanism is the same province that target can also be opened an account, it such as will be wait changeIt is written in the same reservation table to Pekinese's account.Further, it is also possible to wait producing according to certain province or the number of account to be transferred toAmount is arranged one or more reservation tables for the province and the quantity of the reservation table of setting is not limited thereto.
Step 104 is reached when specified time, is verified in reservation table under the corresponding main account of mark and main account of main accountSub- account.
Optionally, verifying main account and the process of the sub- account under main account includes: to judge whether main account meets changeThe change condition for the mechanism that opens an account;If main account meets change condition, set the account status of main account to wait change;BySub- account in reading database under main account to be changed, and judge whether the sub- account read meets change condition;It willMeet the sub- account of change condition mark write-in reservation table, and by the account status that the sub- account of reservation table is written be set as toChange.
Optionally, the sub- account in reading database one by one under main account to be changed, and judge the sub- account readAfter whether meeting change condition, the account status for the affiliated main account of sub- account for not meeting change condition can also be set toVerification failure;It searches in reservation table, verifies the sub- account under the main account of failure, and by the account status of the sub- account foundIt is changed to verification failure;Stop the reading of non-syndrome account under the main account in database, verifying failure and verifiedJourney.
It should be noted that change condition is that account is in normal condition, because the reasons such as debt, illegal, pass family cause to locateThe mechanism that opens an account cannot be changed in the account for the abnormalities such as freezing.
In the embodiment of the present application, it is contemplated that if change certain account open an account mechanism during realize that the account does not meetChange condition can waste the network equipment and change the resource used when the main account or the sub- account in part of the account, in the applicationIn embodiment, the checking treatment twice respectively for main account and sub- account is taken.If confirming main account when initial correlationChange condition is not met, then confirms that the main account of the account and sub- account cannot change the mechanism that opens an account, later just no longer antithetical phraseAccount is verified, and the resource of the network equipment is saved with this.Further, since meet change condition there are main account, and main accountUnder the sub- accounts of one or more the case where not meeting change condition, in the embodiment of the present application, after the completion of main account verification,The sub- account under the main account is verified one by one again, does not meet change condition if there is sub- account, it is determined that the sub- accountAll sub- accounts under main account belonging to family and main account cannot change the mechanism that opens an account.
By above-mentioned checking procedure twice, the account that cannot change the mechanism that opens an account can be excluded substantially, improves change accountFamily is opened an account the efficiency of mechanism.
Optionally, the account statements of verification failure can be generated in the network equipment, and the master of verification failure is indicated in the inventoryThe mark of account or sub- account, and the reason of verification failure, so that bank clerk is checked, facilitate bank clerkThe reason of solving account verification failure.
Step 105 executes the successful main account of verification and sub- account and changes mechanism processing of opening an account.
After main account and sub- account complete verification are completed, the mechanism that opens an account of main account is first changed, it later can be according toThe sequence of sub- account write-in reservation table under the main account, changes the mechanism that opens an account of sub- account one by one.
It should be noted that the sub- account of whole under a main account and the main account is all changed the mechanism that opens an accountAfter the completion, it then carries out the change of next main account and the corresponding sub- account of the main account and opens an account mechanism processing, to avoid appearanceIn long period main account and sub- account be belonging respectively to difference open an account mechanism the case where.
Optionally, the successful main account of verification and sub- account are executed and changes mechanism processing of opening an account, comprising: change reservation tableIn state to be changed main account the mechanism that opens an account, and the open an account account status of the successful main account of mechanism of change is changed to locateIt manages successfully;The mechanism that opens an account of sub- account under the successful main account of exception processes one by one, and the change mechanism that opens an account is successfully subThe account status of account is changed to handle successfully.
During mechanism is opened an account in change, it may be occupied or database due to the resource of the network equipment by other businessThe reasons such as mistake occur, the network equipment is caused to lose the open an account processing of mechanism of the main account of state to be changed or sub- Account ChangesIt loses, then can restore the data of the main account of processing failure or sub- account to untreated preceding state;Restore again laterMain account or sub- account, which execute, changes mechanism processing of opening an account.Mechanism failure of opening an account is changed caused by for these reasons, usually may be usedBy re-execute change open an account mechanism processing can be solved, therefore, in the embodiment of the present application, to change open an account mechanism failureMain account or sub- account re-execute change open an account mechanism processing, to complete whole main accounts and the son in reservation table as far as possibleThe change of account open an account mechanism processing.
Optionally, if changing mechanism processing failure of opening an account for the multiple of a certain main account, it can recorde the main accountMark, and set abnormality for the account status of the main account and its lower all sub- accounts;If for a certain sub- accountThe multiple processing for changing the mechanism that opens an account at family fails, and can recorde the mark of the sub- account, and the master described in the sub- accountAll sub- accounts for having changed the mechanism that opens an account execute data recovery operation under account and main account, make processed accountThe mechanism that opens an account is changed to original again and opens an account mechanism, later by the account of all sub- accounts under the affiliated main account of the sub- account and main accountFamily state is set as abnormality.The network equipment change reservation table in account open an account mechanism when, abnormality can be skippedAccount, handle the account of other armed statees.It is above-mentioned to skip mechanism, the same mistake can be handled repeatedly to avoid the network equipmentAccount is lost so that wasting the excessive time.
Later, after bank clerk working, the network equipment can provide the processing failure to bank clerkThe inventory of account so that staff checks failure cause, and corrects the problem in time.
Optionally, when there is changing the case where opening an account mechanism failure, it can recorde the main account for changing mechanism failure of opening an accountThe mark of family or sub- account, and occur mistake reason, so as to bank clerk according to failure cause to the network equipment intoRow optimization, reduces a possibility that mistake occurs again.
Optionally, in order to save memory space, while data volume in reservation table being avoided excessively to lead to reading data difficultyThe reservation table reset data time can be set in problem, after the reset time reaches, deletes the total data in reservation table, withStandby new needs change main account and the write-in of sub- account for the mechanism that opens an account.It illustratively, is reset time when can be set 24, withReservation table is reset daily, or setting reservation table is inferior every fixed cycle clearing one.The reset time can be according to bankThe quantity for the account for changing the mechanism that opens an account is needed to be arranged.For the occurrence of reset time, it is not limited thereto.
It optionally, can also include for showing that the head that whether can add main account mark in the reservation table is remembered in reservation tableRecord state, this recording status, which is divided into, can reserve and can not reserve.It, can be into the reservation table when head recording status, which is, to be reservedAddition needs to change the mark of the main account for the mechanism that opens an account;When reaching specified time, the network equipment is started to process in reservation tableWhen account, head recording status is changed to reserve in reservation table, does not allow to add the mark of new main account into the reservation tableKnow, and the state that can not be reserved is always maintained at, until reaching the time of the change head recording status of setting, or until bank's workReservation gauge outfit recording status is manually changed, can be added into reservation table to avoid because of new main account mark in this way, and is upsetThe job step of account in network device processing reservation table, to go out caused by avoiding the network equipment from being disturbed because of job stepIt is wrong.Wherein, the time of change head record can be by bank clerk sets itself.
Account completion change is opened an account after mechanism processing, and because opening an account, mechanism variation leads to geographical diversity, different geographical bankInterest rate may be different, will lead to change of interest rate in this way, need to re-start the interest for calculating account generation, and generate changeThe mechanism that opens an account inventory is processed for bank ledger system and is used.Wherein, change mechanism inventory of opening an account includes that the original of account is opened an account machineStructure and the target being transferred to are opened an account mechanism, and the mechanism that needs to open an account from original is transferred to target and opens an account the amount of money etc. of mechanism.
The embodiment of the present application is opened an account mechanism with the change for completing whole accounts operate by bank clerk in the prior artThe technical solution of processing is compared, and in the application, needs the mark for the account for changing the mechanism that opens an account to be added into reservation table part,The change for being automatically performed account in reservation table is opened an account the processing of mechanism, is reduced bank clerk and is opened an account in operation Account ChangesThe workload of required completion when mechanism.Also, it is just verified and is changed account after at the appointed time reaching to open an account the behaviour of mechanismMake, that is to say, that the application reserves can open an account to Account Changes time of mechanism, in the prior art, needs immediatelyChange account the mechanism that opens an account compare, increase the flexibility of processing, reduce change account open an account mechanism processing for itThe influence of his account on-line transaction.
The embodiment of the present application provides a kind of change account and opens an account the device of mechanism, as shown in Fig. 2, the device 200 includes connecingIt receives module 201, obtain module 202, adding module 203, correction verification module 204 and change module 205.
Wherein, receiving module 201 are opened an account the request of mechanism for receiving change account, and request includes user's main accountMark.
Obtain module 202, sub- account under the corresponding main account of mark for obtaining the received main account of receiving module 201Quantity.
Adding module 203, for being greater than or equal to amount threshold when the quantity for obtaining the sub- account that module 202 obtains, thenThe mark of main account is added into reservation table.
Correction verification module 204, for reaching when specified time, verification adding module 203 is added to main account in reservation tableIdentify the sub- account under corresponding main account and main account.
Module 205 is changed, executing change for verifying successful main account and sub- account to correction verification module 204 opens an account mechanismProcessing.
Optionally, correction verification module 204 are used for:
Judge whether main account meets the change condition for changing the mechanism that opens an account;
If main account meets change condition, set the account status of main account to wait change;
Sub- account in reading database under main account to be changed one by one, and judge whether the sub- account read meets changeMore condition;
The mark write-in reservation table of the sub- account of change condition will be met, and the account shape of the sub- account of reservation table will be writtenState is set as wait change.
Optionally, device 200 further include:
State setting module 206, the sub- account institute owner's account for not meeting change condition for verifying correction verification module 204The account status at family is set as verification failure.
State setting module 206 is also used to search the sub- account under the main account for verifying failure in reservation table, and will searchTo sub- account account status be changed to verification failure.
Correction verification module 204 is also used to stop the reading of non-syndrome account under the main account in database, verifying failureIt takes and checking procedure.
Optionally, module 205 is changed, is used for:
It changes the mechanism that opens an account of the main account of state to be changed in reservation table, and change is opened an account the successful main account of mechanismAccount status be changed to handle successfully;
The mechanism that opens an account of sub- account under the successful main account of exception processes one by one, and the change mechanism that opens an account is successfully subThe account status of account is changed to handle successfully;
The processing failure of mechanism if the main account of state to be changed or sub- Account Changes are opened an account, by the master of processing failureThe data of account or sub- account are restored to untreated preceding state;
Again the main account of recovery or sub- account are executed and changes mechanism processing of opening an account.
Optionally, module 205 is changed, is also used to:
The quantity of group account is less than amount threshold, then the corresponding main account of mark of real-time change main account and main accountThe mechanism that opens an account of sub- account under the corresponding main account of mark at family.
The embodiment of the present application also provides a kind of computer equipment, including memory, processor and storage are on a memory simultaneouslyThe computer program that can be run on a processor, the processor realize the above embodiments of the present application when executing the computer programThe method.
The embodiment of the present application also provides a kind of computer readable storage medium, which holdsThe computer program of row the above embodiments of the present application the method.
The embodiment of the present application is opened an account mechanism with the change for completing whole accounts operate by bank clerk in the prior artThe technical solution of processing is compared, and in the application, needs the mark for the account for changing the mechanism that opens an account to be added into reservation table part,The change for being automatically performed account in reservation table is opened an account the processing of mechanism, is reduced bank clerk and is opened an account in operation Account ChangesThe workload of required completion when mechanism.Also, it is just verified and is changed account after at the appointed time reaching to open an account the behaviour of mechanismMake, that is to say, that the application reserves can open an account to Account Changes time of mechanism, in the prior art, needs immediatelyChange account the mechanism that opens an account compare, increase the flexibility of processing, reduce change account open an account mechanism processing for itThe influence of his account on-line transaction.
It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer programProduct.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the applicationApply the form of example.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more,Usable storage medium (including but not limited to magnetic disk storage, CD-ROM (Compact Disc Read-Only Memory,CD-ROM), optical memory etc.) on the form of computer program product implemented.
The application is referring to method, the process of equipment (system) and computer program product according to the embodiment of the present applicationFigure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructionsThe combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programsInstruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produceA raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for realThe device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spyDetermine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram orThe function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that countingSeries of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer orThe instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram oneThe step of function of being specified in a box or multiple boxes.
Particular embodiments described above has carried out further in detail the purpose of the application, technical scheme and beneficial effectsIt describes in detail bright, it should be understood that the foregoing is merely the specific embodiment of the application, is not used to limit the guarantor of the applicationRange is protected, within the spirit and principles of this application, any modification, equivalent substitution, improvement and etc. done should be included in thisWithin the protection scope of application.

Claims (12)

CN201811082653.3A2018-09-172018-09-17Method and device for changing account opening mechanismActiveCN109255702B (en)

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CN109255702B CN109255702B (en)2022-06-10

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Citations (5)

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Publication numberPriority datePublication dateAssigneeTitle
US20080071661A1 (en)*2006-04-272008-03-20Sun Life Assurance Company Of CanadaInvestment product, methods and system for administration thereof
CN101324949A (en)*2008-07-302008-12-17中国工商银行股份有限公司Method, apparatus, system for processing user information based on personal bank card and bank card
CN101556678A (en)*2009-05-212009-10-14中国建设银行股份有限公司Processing method of batch processing services, system and service processing control equipment
CN102411756A (en)*2010-09-262012-04-11金蝶软件(中国)有限公司Bank account data management system and method
CN108269184A (en)*2018-01-042018-07-10福建省农村信用社联合社A kind of banking institution's change management method and system for supporting persistent service

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication numberPriority datePublication dateAssigneeTitle
US20080071661A1 (en)*2006-04-272008-03-20Sun Life Assurance Company Of CanadaInvestment product, methods and system for administration thereof
CN101324949A (en)*2008-07-302008-12-17中国工商银行股份有限公司Method, apparatus, system for processing user information based on personal bank card and bank card
CN101556678A (en)*2009-05-212009-10-14中国建设银行股份有限公司Processing method of batch processing services, system and service processing control equipment
CN102411756A (en)*2010-09-262012-04-11金蝶软件(中国)有限公司Bank account data management system and method
CN108269184A (en)*2018-01-042018-07-10福建省农村信用社联合社A kind of banking institution's change management method and system for supporting persistent service

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