financial institutions must be based on

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.. Account classification The following types of accounts are usually included in the accounting system: Customer account: visible to customers. Including: private personal accounts of customers and public accounts of merchants. Internal accounts: Invisible to customers. Including: positions, fee income, transitional accounts (also called intermediary accounts), etc. . The accounting direction is illustrated: If the account type and debit direction are the same, it is added, and if they are different, it is subtracted, which is the so-called: DD+, DC-, CC+, CD-. Example: A user withdraws yuan, and the accounting is as follows: DR: User balance (liability account) CR: Transition withdrawal account (liability account) .



Real-time accounting and buffer calculation Generally australia email list speaking, the accounting of user accounts should be in real time, such as user replenishment, withdrawal, merchant withdrawal, user refund, etc. If these accounts are not managed in real time, it will harm the user experience and risk capital loss. For example, if a user replenishes yuan and the payment is not received after a delay, the user may complain. If withdrawals are not recorded in real time, users may withdraw successfully multiple times. If the refund is not recorded in real time, it may be exceeded in the refund scenario.



Assuming that the accounting takes tens of milliseconds (determined by the database performance), the account can support at most tens of TPS accounting requests. At present, buffer calculation is generally used to improve performance. Buffer calculation is usually enabled for internal accounts or outflow scenarios that allow traders to overdraw. Buffer calculation usually means first recording the current water, then starting the planned task to collect the current water, and then summing it up for accounting. The assumption is that the prevention and control of capital loss must be done well. In addition to buffer calculation, there is also a method of dividing the accounts to solve the problem of hot orders.