CN-121996669-A - Bank account hot spot upgrading method and device based on current limiting and pessimistic lock calculation

CN121996669ACN 121996669 ACN121996669 ACN 121996669ACN-121996669-A

Abstract

The invention provides a bank account hot spot upgrading method and device based on current limiting and pessimistic lock calculation, which relate to the field of financial science and technology and comprise the steps of receiving a request, and initiating a billing request by an external system; the method comprises the steps of hot spot judging, checking account hot spot marking, routing to a hot spot processing flow if the hot spot is marked, entering ordinary account flow control if the hot spot is not marked, adopting funnel type two-stage flow limiting, pre-controlling, triggering flow control based on a first time window counting, exceeding a threshold value, directly entering hot spot identification if the hot spot is not marked, performing account-level flow limiting on an account without the hot spot, identifying the hot spot, checking the hot spot counting in pessimistic lock transactions, routing to the hot spot processing if the hot spot counting reaches the threshold value, otherwise, marking the hot spot based on a second time window accumulated counting and exceeding the threshold, marking, registering the identified hot spot account, and finishing billing according to the ordinary account. The dynamic hot spot marking identification processing is completed through flow control and hot spot identification in the ordinary account balance pessimistic lock.

Inventors

WEN TAO
WEI XIN
DAI DUAN
YANG CHAO
XIA PENG
PENG TAO

Assignees

神州数码融信软件有限公司

Dates

Publication Date: 20260508
Application Date: 20260122

Claims (10)

1. The bank account hot spot upgrading method based on the current limiting and pessimistic lock calculation is characterized by comprising the following steps of: receiving an accounting request initiated by an external system; Judging whether the current account is marked as a hot-spot account, if so, routing to a hot-spot account processing flow, and if not, performing ordinary account flow control processing; The common account flow control processing comprises flow pre-control and flow control two-stage funnel-type flow limiting, wherein the flow pre-control is used for checking a first time window of the account and performing pre-control counting, when the pre-control counting exceeds a pre-control counting threshold, the flow control is triggered, and otherwise, the flow control is routed to a common account hot spot identification flow in a pessimistic lock accounting processing transaction; checking the hot spot state of the account again for the account triggering the flow control, if the hot spot is not marked, performing account-level current limiting processing, and performing a common account hot spot identification flow in pessimistic lock accounting processing transactions; In the hot spot identification flow, if the current hot spot counting data reaches a hot spot threshold value, the accounting request is routed to a hot spot account balance processing flow, otherwise, a second time window is checked and hot spot counting is carried out, and when the hot spot counting reaches a preset hot spot threshold value, the account is identified as a hot spot account; And (3) for the identified hot spot account, registering account information to realize hot spot marking for the hot spot, and carrying out common account balance processing on the billing request.
2. The method for upgrading a bank account hot spot based on current limiting and pessimistic lock calculation according to claim 1, wherein the flow pre-control process comprises: Initializing hot spot calculation information for each account, and recording the time interval of two continuous billing requests; if the time interval falls within the first time window, the precontrol count is incremented.
3. The method for hot spot upgrade of a bank account based on current limiting and pessimistic lock computation according to claim 1, wherein the flow control comprises: Initializing an account-level current limiting instance for the account based on the upper flow limit, the interval time and the current limiting policy in the configuration file; before the account-level throttling is enabled, checking the hot spot state of the account again, and if the hot spot is not marked, enabling the account-level throttling, wherein the throttling strategy comprises queuing, delay or quick failure.
4. The method for upgrading a hot spot of a bank account based on current limiting and pessimistic lock calculation as set forth in claim 1 or 3, wherein the checking the hot spot status of the account again enlarges or cancels the current limiting if the hot spot is marked.
5. The method for hot spot upgrade of a bank account based on current limiting and pessimistic lock computing as recited in claim 1, wherein the hot spot identification is embedded in a pessimistic lock accounting transaction of a normal account, comprising: inquiring a balance table to obtain hotspot configuration information, wherein the hotspot configuration information comprises a hotspot counting threshold value and an interval time; Judging whether the current hot spot count exceeds a hot spot critical, and if so, routing the billing request to a hot spot account balance processing flow.
6. The method for upgrading a bank account hot spot based on current limiting and pessimistic lock calculation according to claim 1, wherein if the current hot spot count does not exceed the hot spot critical value, a second time window judgment is performed, a processing time interval of two continuous account billing requests is obtained, if the current hot spot count exceeds the second time window, a reset setting of window time and hot spot count of the second time window is performed, and the account billing requests are subjected to ordinary account balance processing.
7. The method for upgrading a hot spot of a bank account based on current limiting and pessimistic lock calculation as claimed in claim 6, wherein a processing time interval of two continuous accounting requests of the account is obtained, if the processing time interval does not exceed a second time window, the hot spot count is accumulated based on the second time window, whether the new hot spot count reaches a hot spot critical value is judged, if the new hot spot count reaches the hot spot critical value, the hot spot account is identified, and hot spot marking is performed.
8. The method for upgrading a hot spot of a bank account based on current limiting and pessimistic lock calculation according to claim 7, wherein it is determined whether a new hot spot count reaches a hot spot critical value, if not, only the hot spot count is updated, and the accounting request is subjected to a common account balance process.
9. The bank account hot spot upgrading device based on the current limiting and the pessimistic lock calculation realizes the bank account hot spot upgrading method based on the current limiting and the pessimistic lock calculation according to any one of claims 1 to 8, and is characterized by comprising a request processing module, a flow pre-control module, a flow control module and a hot spot identification module, wherein the modules work cooperatively; the request processing module is used for: receiving and routing an external billing request; The flow pre-control module is used for: Performing account-level pre-flow control processing on the accounts without the marked hot spots, judging and identifying potential hot spot accounts based on a first time window and a pre-control counting threshold value, and triggering flow control; The flow control module is used for: Carrying out account-level current limiting treatment on the potential hot-spot account; The hotspot identification module is used for: embedded in the pessimistic lock transaction, hot-spot accounts are dynamically identified and marked.
10. The bank account hotspot upgrading device based on the current limiting and pessimistic lock calculation of claim 9, wherein the flow control module is used for checking the account hotspot state again, automatically adjusting the current limiting strategy, and expanding or canceling the current limiting if the account is upgraded to the hotspot, so as to match the high throughput processing capacity of the hotspot account.

Description

Bank account hot spot upgrading method and device based on current limiting and pessimistic lock calculation Technical Field The invention relates to the field of defensive finance technology, in particular to a bank account hot spot upgrading method and device based on current limiting and pessimistic lock calculation. Background With the development of internet financial services, the generation of a centralized single account issuing service initiated by the channels of banking, networking, super-networking and the like is more and more frequent, such as a settlement account opened by an online store merchant at a bank, a plurality of individual clients can transfer money to the settlement account at the same time, and account hot spots can occur at the moment. In the process of settling account billing, the traditional financial account business needs to control account balance and amount, and high-frequency operation on the same account can cause the problem of locking the account hot spot, so that various processing schemes related to the hot spot account are derived. The hot spot account proposal generally needs to mark the hot spot of the account, and then guides a system to a logic branch different from the common billing based on the hot spot mark, thereby avoiding the problems brought by the hot spot account. For the hot spot marking in the process, marking is basically carried out asynchronously in the prior art, and two hot spot identification modes are generally adopted, namely (1) before surrounding a hot spot, an independent hot spot account marking API service is provided, a channel end (counter, online banking and the like) carries out account hot spot marking operation through account opening or signing service packaging, and a client carries out active service handling at the channel end, so that an account is marked as a hot spot. (2) After the hot spot is surrounded, a post analysis prediction mark is provided, and based on a large amount of account business data analysis, the hot spot or possible hot spot of the account at a certain moment is judged, so that a hot spot account list is formed, and after the confirmation of a business operator, the hot spot mark is carried out on the account in the system. Problems of the existing automatic hot spot identification method for bank accounts include asynchronous hot spot identification, incapability of coping with sudden hot spots based on pre-subscription or post-analysis, lack of instantaneity, possibility of a large number of processing failures and poor experience when a sudden event becomes a hot spot for common accounts without marked hot spots, possibility of system paralysis when the sudden event becomes the hot spot for common accounts without marked hot spots, and high risk. Based on the above problems, there is a need for a method for identifying and upgrading a bank account in real time, which immediately realizes the hot spot upgrading of the account in the process that a common account suddenly becomes a hot spot, and avoids a large number of failure responses or risk of system paralysis. Disclosure of Invention Aiming at the problems in the background art, the invention provides a bank account hot spot upgrading method and device based on current limiting and pessimistic lock calculation, which are used for billing a single common account with high instantaneous concurrency, providing flow control and hot spot upgrading processing, reducing the waiting time of an account lock through the flow control, and completing dynamic hot spot marking identification processing through processing in the pessimistic lock based on the balance of the common account, thereby guiding the accounting processing of the common account to be switched into hot spot account processing. In order to achieve the above object, the present invention provides a bank account hot spot upgrading method based on current limiting and pessimistic lock calculation, comprising: receiving an accounting request initiated by an external system; Judging whether the current account is marked as a hot-spot account, if so, routing to a hot-spot account processing flow, and if not, performing ordinary account flow control processing; The common account flow control processing comprises flow pre-control and flow control two-stage funnel-type flow limiting, wherein the flow pre-control is used for checking a first time window of the account and performing pre-control counting, when the pre-control counting exceeds a pre-control counting threshold, the flow control is triggered, and otherwise, the flow control is routed to a common account hot spot identification flow in a pessimistic lock accounting processing transaction; checking the hot spot state of the account again for the account triggering the flow control, if the hot spot is not marked, performing account-level current limiting processing, and performing a common account hot spot identification flow in pessimisti