CN107103530A - A kind of many account trading method and system of bank individual - Google Patents
A kind of many account trading method and system of bank individual Download PDFInfo
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- CN107103530A CN107103530A CN201710228817.8A CN201710228817A CN107103530A CN 107103530 A CN107103530 A CN 107103530A CN 201710228817 A CN201710228817 A CN 201710228817A CN 107103530 A CN107103530 A CN 107103530A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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
- G06Q20/4014—Identity check for transactions
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention provides a kind of many account trading method and system of bank individual, it is related to computer network information processing technology field.Method includes：Customer terminal equipment sends transaction request information to backstage master server equipment；Backstage master server equipment is when account amount of money is less than dealing money, the many account batch search processing of same client are carried out in background data base according to client identity information, obtain multiple accounts informations of the corresponding same client of client identity information, and determine that the multiple accounts of same client collect the amount of money, it is determined that and send trading strategies related to transaction request information to customer terminal equipment, so as to complete transactional operation.The account trading process of the present invention proceeds transactional operation, whole transactional operation process simple and fast so that the service efficiency of the client terminal such as ATM is improved when account amount of money is less than dealing money without replenishing remaining sum or changing account.
Description
Technical field
The present invention relates to computer network information processing technology field, more particularly to a kind of many account trading sides of bank individual
Method and system.
Background technology
Currently, with the gradually development of computer networking technology and financial industry, people's Cash Out and remittance etc. of transferring accounts
Business can be handled no longer via bank counter, but pass through ATM (Automatic Teller
Machine, abbreviation ATM) carry out.It is greatly bank visitor that Cash Out is completed by ATM and the operation such as remittance is transferred accounts
Provide convenience at family.
However, current bank client is when carrying out Cash Out using ATM and transferring accounts the operation such as remittance, also in the presence of some
Not convenient the problem of, for example：Bank client insert bank card and carry out Cash Out or remittance of transferring accounts (hereinafter referred to as transaction grasp
Make) when, if Sorry, your ticket has not enough value for bank account, transactional operation can not be completed.Now, bank client needs to transfer accounts canal by outside
Road (such as Mobile banking, Web bank) is first transferred accounts to current bank account to be transacted, makes bank account to be transacted
Remaining sum it is sufficient after, then be traded operation.Or, bank client needs repeatedly to change bank card, inquires about the remaining sum of each account
Afterwards, choose the sufficient account of remaining sum and complete transactional operation.It can be seen that, withdrawal transaction, money transfer transactions of transferring accounts of currently existing technology etc.
It is only supported in a trading account and carries out operation of withholing, when account balance is not enough, transactional operation can be caused to fail, bank visitor
Family also needs to replenish remaining sum or changes account to proceed transactional operation, causes whole transactional operation process cumbersome, and
Reduce the service efficiency of the client terminals such as ATM.
The content of the invention
Embodiments of the invention provide a kind of many account trading method and system of bank individual, to solve currently existing technology
Withdrawal transaction, money transfer transactions of transferring accounts etc. be only supported in a trading account and carry out operation of withholing, in account balance deficiency,
Transactional operation can be caused to fail, bank client also needs to replenish remaining sum or changes account to proceed transactional operation, whole
Individual transactional operation process is cumbersome, and the client terminal such as ATM service efficiency it is relatively low the problem of.
To reach above-mentioned purpose, the present invention is adopted the following technical scheme that：
A kind of many account trading methods of bank individual, applied to many account trading systems of bank individual, the system includes：
Customer terminal equipment and backstage master server equipment；Pass through bank between the customer terminal equipment and backstage master server equipment
Private network communication is connected；
The many account trading methods of bank individual, including：
Customer terminal equipment sends transaction request information to backstage master server equipment；The transaction request information includes handing over
Easy accounts information and dealing money；The transaction account information includes the client identity information belonging to trading account；
Backstage master server equipment obtains the corresponding account amount of money of trading account from background data base；
Backstage master server equipment judges whether the account amount of money is more than or equal to the dealing money, and in the account
When the amount of money is less than the dealing money, same client many accounts batch are carried out in background data base according to the client identity information
Search process is measured, multiple accounts informations of the corresponding same client of the client identity information are obtained；
Backstage master server equipment determines multiple accounts of same client according to multiple accounts informations of the same client
Collect the amount of money, it is determined that and sending trading strategies related to the transaction request information to the customer terminal equipment；
The customer terminal equipment receives the confirmation to the trading strategies of client's input, and by the confirmation letter
Breath is sent to the backstage master server equipment；
The backstage master server equipment is traded operation according to the trading strategies and the confirmation, and to rear
The account amount of money of each account in platform database carries out batch updating.
Specifically, the client identity information belonging to the trading account includes：Encoder client, customer name, client certificate
Type and client certificate number.
Specifically, being carried out according to the client identity information in background data base at many account batch search of same client
Reason, obtains multiple accounts informations of the corresponding same client of the client identity information, including：
Using the encoder client, customer name, client certificate type and client certificate number as search condition, from described
Multiple accounts informations of the corresponding same client of the search condition are obtained in background data base；Multiple accounts of the same client
Family information includes：Account number, account currency type, account bank card card number, the currently available remaining sum of account, account product identity mark
Knowledge, account nickname, account hair fastener area code, Card Type mark；The Card Type mark includes debit card mark or credit card mark
Know；The account product identity includes account bank card BIN codes, account bank card jointly numbering and bank card product identification
Mark；
Dealing money in the multiple accounts informations and transaction request information of the same client is arranged, forms every
The corresponding accounts information record of individual accounts information, and by each bar accounts information record storage in the accounts information pre-set
Read in buffer area；Each bar accounts information records account number, account currency type, account bank card card number, account
If dealing money in currently available remaining sum, transaction request information, be traded by the account after remaining sum, account product
Identity, account nickname, account hair fastener area code and Card Type mark.
Specifically, backstage master server equipment determines same client's according to multiple accounts informations of the same client
Multiple accounts collect the amount of money, including：
Backstage master server equipment is identified according to the Card Type, determine same client each debit card account it is available remaining
Volume, whole debit card account collect the amount of money and debit card account and can use account number；
Backstage master server equipment is identified according to the Card Type, determine same client each credit card account it is available remaining
Volume, whole credit card account collect the amount of money and credit card account and can use account number.
Specifically, determine and the trading strategies related to the transaction request information are sent to the customer terminal equipment,
Including：
Backstage master server equipment collects the amount of money and debit card account and can use account number according to whole debit card accounts
Mesh, or whole credit card account collect the amount of money and credit card account and can use account number, it is determined that whole debit card accounts
Collect the amount of money or whole credit card account collect whether the amount of money is more than the dealing money；
Backstage master server equipment is determining the remittance for collecting the amount of money or whole credit card accounts of whole debit card accounts
When total amount is more than or equal to the dealing money, handed over according to the one or more accounts informations formation for meeting terms of trade with described
The related trading strategies of easy solicited message；What the one or more accounts informations for meeting terms of trade included account can
It is more than or equal to the dealing money with remaining sum, and the available balance sum of multiple accounts is more than or equal to the dealing money；Institute
Stating the trading strategies related to the transaction request information includes completing the trade gold by the available balance of an account
The transactional operation of volume, or complete by the available balance sum of multiple accounts the transactional operation of the dealing money；
Backstage master server equipment sends the accounts information related to the trading strategies and the trading strategies to institute
State customer terminal equipment.
Specifically, the customer terminal equipment receives the confirmation to the trading strategies of client's input, and by institute
Confirmation is stated to send to the backstage master server equipment, including：
Customer terminal equipment receives and shows the accounts information and the trading strategies related to the trading strategies；It is described
The accounts information related to the trading strategies includes：Account number, account bank card card number, the currently available remaining sum of account and
Card Type is identified；
Customer terminal equipment shows confirmation selection mark corresponding with one or more trading strategies；
Customer terminal equipment receives client and passes through the confirmation letter to the trading strategies for confirming selection mark input
Breath, and the confirmation is sent to the backstage master server equipment.
Specifically, the backstage master server equipment is traded behaviour according to the trading strategies and the confirmation
Make, and batch updating is carried out to the account amount of money of each account in background data base, including：
Backstage master server equipment sends cryptographic check after the confirmation is received to the customer terminal equipment
Instruction；
Backstage master server equipment is receiving each account of the customer terminal equipment according to the cryptographic check instruction feedback
After password, each account password is verified；
Backstage master server equipment is traded after to each account password verify successfully according to the trading strategies
Operation, and batch updating is carried out to the account amount of money of each account related to the transactional operation in background data base.
A kind of many account trading systems of bank individual, many account trading systems of bank individual include：Client terminal is set
Standby and backstage master server equipment；Connected between the customer terminal equipment and backstage master server equipment by bank's private network communication
Connect；
The customer terminal equipment, for sending transaction request information to backstage master server equipment；The transaction request
Information includes transaction account information and dealing money；The transaction account information includes the client identity letter belonging to trading account
Breath；
The backstage master server equipment, for obtaining the corresponding account amount of money of trading account from background data base；Sentence
Whether the account amount of money of breaking is more than or equal to the dealing money, and when the account amount of money is less than the dealing money, root
The many account batch search processing of same client are carried out in background data base according to the client identity information, client's body is obtained
Multiple accounts informations of the corresponding same client of part information；According to multiple accounts informations of the same client, same visitor is determined
Multiple accounts at family collect the amount of money, it is determined that and sending the friendship related to the transaction request information to the customer terminal equipment
It is easily tactful；
The customer terminal equipment, is additionally operable to receive the confirmation to the trading strategies of client's input, and by institute
Confirmation is stated to send to the backstage master server equipment；
The backstage master server equipment, is additionally operable to be traded behaviour according to the trading strategies and the confirmation
Make, and batch updating is carried out to the account amount of money of each account in background data base.
Specifically, the client identity letter belonging to trading account in the transaction request information that the customer terminal equipment is sent
Breath includes：Encoder client, customer name, client certificate type and client certificate number.
In addition, the backstage master server equipment, specifically for：
Using the encoder client, customer name, client certificate type and client certificate number as search condition, from described
Multiple accounts informations of the corresponding same client of the search condition are obtained in background data base；Multiple accounts of the same client
Family information includes：Account number, account currency type, account bank card card number, the currently available remaining sum of account, account product identity mark
Knowledge, account nickname, account hair fastener area code, Card Type mark；The Card Type mark includes debit card mark or credit card mark
Know；The account product identity includes account bank card BIN codes, account bank card jointly numbering and bank card product identification
Mark；
Dealing money in the multiple accounts informations and transaction request information of the same client is arranged, forms every
The corresponding accounts information record of individual accounts information, and by each bar accounts information record storage in the accounts information pre-set
Read in buffer area；Each bar accounts information records account number, account currency type, account bank card card number, account
If dealing money in currently available remaining sum, transaction request information, be traded by the account after remaining sum, account product
Identity, account nickname, account hair fastener area code and Card Type mark.
In addition, the backstage master server equipment, is specifically additionally operable to：
Identified according to the Card Type, determine the available balance of each debit card account of same client, whole debit card accounts
Family collects the amount of money and debit card account and can use account number；
Identified according to the Card Type, determine the available balance of each credit card account of same client, whole credit card accounts
Family collects the amount of money and credit card account and can use account number.
In addition, the backstage master server equipment, is specifically additionally operable to：
Collecting the amount of money and debit card account and can use account number, or whole credit cards according to whole debit card accounts
Account collects the amount of money and credit card account and can use account number, it is determined that whole debit card accounts collect the amount of money or all borrowed
That remembers card account collects whether the amount of money is more than the dealing money；
It is more than or equal to institute in the amount of money that collects for collecting the amount of money or whole credit card accounts for determining whole debit card accounts
It is related to the transaction request information according to the one or more accounts informations formation for meeting terms of trade when stating dealing money
Trading strategies；The available balance that the one or more accounts informations for meeting terms of trade include an account is more than or equal to institute
Dealing money is stated, and the available balance sum of multiple accounts is more than or equal to the dealing money；The described and transaction request
The related trading strategies of information include the transactional operation that the dealing money is completed by the available balance of an account, or
The transactional operation of the dealing money is completed by the available balance sum of multiple accounts；
The accounts information related to the trading strategies and the trading strategies are sent to the customer terminal equipment.
In addition, the customer terminal equipment, specifically for：
Receive and show the accounts information and the trading strategies related to the trading strategies；The described and transaction plan
Slightly related accounts information includes：Account number, account bank card card number, the currently available remaining sum of account and Card Type mark；
Display is corresponding with one or more trading strategies to confirm selection mark；
Reception client confirms the confirmation to the trading strategies that selection mark is inputted by described, and will be described true
Recognize information to send to the backstage master server equipment.
In addition, the backstage master server equipment is specifically additionally operable to：
After the confirmation is received, cryptographic check instruction is sent to the customer terminal equipment；
It is close to each account after each account password of the customer terminal equipment according to the cryptographic check instruction feedback is received
Code is verified；
After to each account password verify successfully, operation is traded according to the trading strategies, and to rear number of units
Batch updating is carried out according to the account amount of money of each account related to the transactional operation in storehouse.
The many account trading method and system of a kind of bank individual provided in an embodiment of the present invention, in backstage master server equipment
When determining the current account amount of money less than dealing money, same visitor can be carried out in background data base according to client identity information
The many account batch search processing in family, obtain multiple accounts informations of the corresponding same client of client identity information；And by same
One or more of multiple accounts of client complete transactional operation, continue without replenishing remaining sum or changing account
It is traded operation, whole transactional operation process simple and fast so that the service efficiency of the client terminal such as ATM is improved.Avoid
Withdrawal transaction, money transfer transactions of transferring accounts of currently existing technology etc., which are only supported in a trading account, carries out operation of withholing,
When account balance is not enough, transactional operation can be caused to fail, and whole transactional operation process is cumbersome, the client terminal such as ATM makes
The problem of using less efficient.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is the accompanying drawing used required in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without having to pay creative labor, may be used also
To obtain other accompanying drawings according to these accompanying drawings.
Fig. 1 is a kind of structural representation of many account trading systems of bank individual provided in an embodiment of the present invention；
Fig. 2 is a kind of flow chart one of many account trading methods of bank individual provided in an embodiment of the present invention；
Fig. 3 is a kind of flowchart 2 of many account trading methods of bank individual provided in an embodiment of the present invention；
Fig. 4 shows the interface schematic diagram of trading strategies for the customer terminal equipment in the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
The embodiment of the present invention provides a kind of many account trading methods of bank individual, applied to bank individual as shown in Figure 1
Many account trading systems 10, the system includes：Customer terminal equipment 101 and backstage master server equipment 102；The client is whole
Connected between end equipment 101 and backstage master server equipment 102 by bank's private network communication.Herein, specifically, in client terminal
Complex front server apparatus 103 and gateway server equipment can be set between equipment 101 and backstage master server equipment 102
104.So, from customer terminal equipment 101, by front server equipment 103 and gateway server equipment 104, then to backstage
Connected between master server equipment 102 by bank's private network communication.Wherein, customer terminal equipment 101, front server equipment
103 and gateway server equipment 104 may be constructed foreground system, and backstage master server equipment 102 belongs to background system.
As shown in Fig. 2 many account trading methods of the bank individual, including：
Step 201, customer terminal equipment send transaction request information to backstage master server equipment.
Wherein, the transaction request information includes transaction account information and dealing money；The transaction account information includes
Client identity information belonging to trading account.
Step 202, backstage master server equipment obtain the corresponding account amount of money of trading account from background data base.
Whether step 203, backstage master server equipment judge the account amount of money more than or equal to the dealing money, and
When the account amount of money is less than the dealing money, same client is carried out in background data base according to the client identity information
Many account batch search processing, obtain multiple accounts informations of the corresponding same client of the client identity information.
Step 204, backstage master server equipment determine same client's according to multiple accounts informations of the same client
Multiple accounts collect the amount of money, it is determined that and sending the transaction plan related to the transaction request information to the customer terminal equipment
Slightly.
Step 205, the customer terminal equipment receive the confirmation to the trading strategies of client's input, and by institute
Confirmation is stated to send to the backstage master server equipment.
Step 206, the backstage master server equipment are traded behaviour according to the trading strategies and the confirmation
Make, and batch updating is carried out to the account amount of money of each account in background data base.
Customer terminal equipment in the embodiment of the present invention can be ATM, or other have the end of money transfer transactions function
End.
A kind of many account trading methods of bank individual provided in an embodiment of the present invention, on backstage, master server equipment is determined
When the current account amount of money is less than dealing money, many accounts of same client can be carried out in background data base according to client identity information
Family batch search processing, obtains multiple accounts informations of the corresponding same client of client identity information；And pass through same client's
One or more of multiple accounts complete transactional operation, proceed to hand over without replenishing remaining sum or changing account
It is easy to operate, whole transactional operation process simple and fast so that the service efficiency of the client terminal such as ATM is improved.Avoid current
Withdrawal transaction, money transfer transactions of transferring accounts of prior art etc., which are only supported in a trading account, carries out operation of withholing, more than account
When volume is not enough, transactional operation can be caused to fail, and whole transactional operation process is cumbersome, the service efficiency of the client terminal such as ATM
Relatively low the problem of.
In order that those skilled in the art is better understood by the present invention, a more detailed embodiment is set forth below,
As shown in figure 3, the embodiment of the present invention provides a kind of many account trading methods of bank individual, including：
Step 301, customer terminal equipment obtain client by inserting the card number or directly defeated by hand that withdrawal medium is inputted
The card number entered, and receive the dealing money needed for client.
Dealing money herein can be the withdraw funds or client's need when client is withdrawn the money on ATM
Will to a certain account transfer transfer amounts, but be not only limited to this.
The withdrawal medium can be bank card or the bankbook with readable magnetic stripe etc..
Step 302, customer terminal equipment send transaction request information to backstage master server equipment.
Wherein, the transaction request information includes transaction account information and dealing money；The transaction account information includes
Client identity information belonging to trading account.
Specifically, the client identity information belonging to the trading account can include encoder client, customer name, client's card
Part type and client certificate number etc..It is close that the other transaction account information can also include trading account number, bank's card number, account
Code etc..
Step 303, backstage master server equipment are verified to transaction request information and by rear, from background data base
The corresponding account amount of money of trading account is obtained, judges whether the current account amount of money is more than or equal to the dealing money.
If backstage master server equipment determines the current account amount of money more than or equal to the dealing money, step 304 is performed.
If backstage master server equipment determines the current account amount of money less than the dealing money, step 305 is performed.
Step 304, backstage master server equipment complete transactional operation according to the current account amount of money and dealing money.
For example, the current account amount of money is 1000 yuan, the dealing money of client is 500 yuan (if desired for withdrawing the money 500 yuan), then after
Platform master server deducts 500 yuan of current account in background data base, and allows customer terminal equipment (such as ATM) to go out to client
500 yuan of money.The mode that such a mode is routinely withdrawn the money or transferred accounts with ATM in bank is identical, the no longer narration in detail here of its principle.
Step 305, backstage master server equipment demonstrate,prove the encoder client, customer name, client certificate type and client
Piece number code obtains multiple accounts of the corresponding same client of the search condition as search condition from the background data base
Information.
Wherein, multiple accounts informations of the same client can include：Account number, account currency type, account bank card
The currently available remaining sum of card number, account, account product identity, account nickname, account hair fastener area code, Card Type mark；Institute
Stating Card Type mark includes debit card mark or credit card mark；The account product identity includes account bank card BIN
Jointly numbering and bank card product identification are identified for code, account bank card.
When on backstage, master server equipment gets multiple accounts informations of the corresponding same client of the search condition, after
It is continuous to perform step 306.Certainly, if backstage master server equipment does not get multiple accounts of the corresponding same client of search condition
Family information, then it represents that the client does not have multiple accounts, without carrying out subsequent operation again, can feed back to customer terminal equipment
Transaction-declined message.In addition, the search condition pair that backstage master server equipment herein is got from the background data base
Multiple accounts informations of the same client answered allow enchashment (such as in, it is necessary to which the plurality of account is satisfied by the condition of drawing, i.e. account
The personal III class account of industrial and commercial bank of state or the paper money remittance family that strict management and control is needed to foreign currency account, it is possible to do not allow to take
It is existing), and the account not by cancellation, freeze, report the loss.
Step 306, backstage master server equipment are by the multiple accounts informations and transaction request information of the same client
Dealing money arranged, form the corresponding accounts information record of each accounts information, and each bar accounts information is remembered
Record in the accounts information reading buffer area for being stored in and pre-setting.
Wherein, each bar accounts information records account number, account currency type, account bank card card number, account
If dealing money in currently available remaining sum, transaction request information, be traded by the account after remaining sum, account product
Identity (Identification, abbreviation ID), account nickname, account hair fastener area code and Card Type mark.
In the accounts information pre-set reads in buffer area, interim storage structure can be as follows shown in Tables 1 and 2：
Wherein, table 1 is each field attribute of interim storage structure：
Table 1：
Table 2 reads in the example of institute's data storage in buffer area for the accounts information that pre-sets：
Table 2：
Step 307, backstage master server equipment are identified according to the Card Type, determine each debit card account of same client
Available balance, whole debit card account collects the amount of money and debit card account and can use account number, and determine same client
The available balance of each credit card account, whole credit card account collects the amount of money and credit card account and can use account number.
Step 308, backstage master server equipment according to whole debit card accounts collect the amount of money and debit card account can
With account number, or whole credit card accounts collect the amount of money and credit card account and can use account number, it is determined that all borrowing
Note card account collect the amount of money or whole credit card account collect whether the amount of money is more than or equal to the dealing money.
If whole debit card accounts collect the amount of money and whole credit card accounts collect the amount of money less than the dealing money,
Perform step 309.If whole debit card accounts collect the amount of money or whole credit card accounts collect the amount of money be more than or equal to it is described
Dealing money performs step 310.
Step 309, backstage master server equipment are to customer terminal equipment feedback trading failed message.
Herein, step 309 is that the whole debit card accounts for representing same client collect the amount of money and whole credit card accounts
Collect the equal insufficient funds of the amount of money, therefore transactional operation can not be completed.Such a situation is just no longer able to carry out the transaction of many accounts
Operation, is repeated no more.
Step 310, background server equipment according to meet terms of trade one or more accounts informations formation with it is described
The related trading strategies of transaction request information.
The available balance that the one or more accounts informations for meeting terms of trade include an account is more than or equal to institute
Dealing money is stated, and the available balance sum of multiple accounts is more than or equal to the dealing money；The described and transaction request
The related trading strategies of information include the transactional operation that the dealing money is completed by the available balance of an account, or
The transactional operation of the dealing money is completed by the available balance sum of multiple accounts.
I.e. for example dealing money is 1000 yuan, and client has 3 accounts, have respectively 1000 yuan of available balance, 600 yuan, 400
Member, then both can complete this transactional operation using the available balance is 1000 yuan of account, can also apply available balance
Come together to complete this transactional operation for 600 yuan and 400 yuan of two accounts.
Step 311, backstage master server equipment are by the accounts information related to the trading strategies and the trading strategies
Send to the customer terminal equipment.
Step 312, customer terminal equipment receive and show the accounts information related to the trading strategies and the transaction
Strategy.
Wherein, the accounts information related to the trading strategies can include：Account number, account bank card card
Number, the currently available remaining sum of account and Card Type mark.
Step 313, customer terminal equipment show confirmation selection mark corresponding with one or more trading strategies.
Specifically, the display interface of the customer terminal equipment can be with as shown in figure 4, supply which show two trading strategies
Customer selecting (i.e. withdrawal mode in Fig. 4).
Step 314, customer terminal equipment receive client by the confirmation selection mark input to the trading strategies
Confirmation, and the confirmation is sent to the backstage master server equipment.
In addition, client can not also select the trading strategies that backstage master server equipment is provided herein, and determined by oneself
Trading scheme.For example, dealing money is 1000 yuan, the optimal trading strategies that backstage master server equipment is provided are to pass through account
1 (available balance of account 1 be 2000 yuan) completes transactional operation.But, client is now not desired to use account 1, then client can be with
Other accounts are voluntarily selected to complete transactional operation, here is omitted.
If the trading strategies that the non-selected backstage master server equipment of client is provided, backstage master server equipment can also be again
Sent to customer terminal equipment and veritify message, to confirm the final choice of client.
Step 315, backstage master server equipment are sent after the confirmation is received to the customer terminal equipment
Cryptographic check is instructed.
Step 316, backstage master server equipment are receiving customer terminal equipment according to the cryptographic check instruction feedback
Each account password after, each account password is verified.
Step 317, backstage master server equipment are after to each account password verify successfully, according to the trading strategies
Operation is traded, and batch is carried out more to the account amount of money of each account related to the transactional operation in background data base
Newly.
A kind of many account trading methods of bank individual provided in an embodiment of the present invention, on backstage, master server equipment is determined
When the current account amount of money is less than dealing money, many accounts of same client can be carried out in background data base according to client identity information
Family batch search processing, obtains multiple accounts informations of the corresponding same client of client identity information；And pass through same client's
One or more of multiple accounts complete transactional operation, proceed to hand over without replenishing remaining sum or changing account
It is easy to operate, whole transactional operation process simple and fast so that the service efficiency of the client terminal such as ATM is improved, and account is saturating
Ming and Qing Chu.Avoid withdrawal transaction, money transfer transactions of transferring accounts of currently existing technology etc. and be only supported at progress in a trading account
Withhold operation, when account balance is not enough, transactional operation can be caused to fail, and whole transactional operation process is cumbersome, the visitor such as ATM
The problem of service efficiency of family terminal is relatively low.
As shown in figure 1, many account trading systems 10 of a kind of bank individual provided in an embodiment of the present invention, including：Client is whole
End equipment 101 and backstage master server equipment 102；Lead between the customer terminal equipment 101 and backstage master server equipment 102
Cross bank's private network communication connection.Herein, specifically, can be between customer terminal equipment 101 and backstage master server equipment 102
Complex front server apparatus 103 and gateway server equipment 104 are set.So, from customer terminal equipment 101, by preposition
Server apparatus 103 and gateway server equipment 104, then to logical by bank's private network between backstage master server equipment 102
Letter connection.Wherein, customer terminal equipment 101, front server equipment 103 and gateway server equipment 104 may be constructed foreground
System, and backstage master server equipment 102 belongs to background system.
The customer terminal equipment 101, for sending transaction request information to backstage master server equipment 102；It is described to hand over
Easy solicited message includes transaction account information and dealing money；The transaction account information includes client's body belonging to trading account
Part information.
The backstage master server equipment 102, for obtaining the corresponding account amount of money of trading account from background data base；
Judge whether the account amount of money is more than or equal to the dealing money, and when the account amount of money is less than the dealing money,
The many account batch search processing of same client are carried out in background data base according to the client identity information, the client is obtained
Multiple accounts informations of the corresponding same client of identity information；According to multiple accounts informations of the same client, determine same
Multiple accounts of client collect the amount of money, it is determined that and being sent and the transaction request information phase to the customer terminal equipment 101
The trading strategies of pass.
The customer terminal equipment 101, is additionally operable to receive the confirmation to the trading strategies of client's input, and will
The confirmation is sent to the backstage master server equipment 102.
The backstage master server equipment 102, is additionally operable to be traded according to the trading strategies and the confirmation
Operation, and batch updating is carried out to the account amount of money of each account in background data base.
Specifically, client's body belonging to trading account in the transaction request information that the customer terminal equipment 101 is sent
Part information includes：Encoder client, customer name, client certificate type and client certificate number.
In addition, the backstage master server equipment 102, specifically for：
Using the encoder client, customer name, client certificate type and client certificate number as search condition, from described
Multiple accounts informations of the corresponding same client of the search condition are obtained in background data base；Multiple accounts of the same client
Family information includes：Account number, account currency type, account bank card card number, the currently available remaining sum of account, account product identity mark
Knowledge, account nickname, account hair fastener area code, Card Type mark；The Card Type mark includes debit card mark or credit card mark
Know；The account product identity includes account bank card BIN codes, account bank card jointly numbering and bank card product identification
Mark.
Dealing money in the multiple accounts informations and transaction request information of the same client is arranged, forms every
The corresponding accounts information record of individual accounts information, and by each bar accounts information record storage in the accounts information pre-set
Read in buffer area；Each bar accounts information records account number, account currency type, account bank card card number, account
If dealing money in currently available remaining sum, transaction request information, be traded by the account after remaining sum, account product
Identity, account nickname, account hair fastener area code and Card Type mark.
In addition, the backstage master server equipment 102, is specifically additionally operable to：
Identified according to the Card Type, determine the available balance of each debit card account of same client, whole debit card accounts
Family collects the amount of money and debit card account and can use account number.
Identified according to the Card Type, determine the available balance of each credit card account of same client, whole credit card accounts
Family collects the amount of money and credit card account and can use account number.
In addition, the backstage master server equipment 102, is specifically additionally operable to：
Collecting the amount of money and debit card account and can use account number, or whole credit cards according to whole debit card accounts
Account collects the amount of money and credit card account and can use account number, it is determined that whole debit card accounts collect the amount of money or all borrowed
That remembers card account collects whether the amount of money is more than the dealing money.
It is more than or equal to institute in the amount of money that collects for collecting the amount of money or whole credit card accounts for determining whole debit card accounts
It is related to the transaction request information according to the one or more accounts informations formation for meeting terms of trade when stating dealing money
Trading strategies；The available balance that the one or more accounts informations for meeting terms of trade include an account is more than or equal to institute
Dealing money is stated, and the available balance sum of multiple accounts is more than or equal to the dealing money；The described and transaction request
The related trading strategies of information include the transactional operation that the dealing money is completed by the available balance of an account, or
The transactional operation of the dealing money is completed by the available balance sum of multiple accounts.
The accounts information related to the trading strategies and the trading strategies are sent to the customer terminal equipment
101。
In addition, the customer terminal equipment 101, specifically for：
Receive and show the accounts information and the trading strategies related to the trading strategies；The described and transaction plan
Slightly related accounts information includes：Account number, account bank card card number, the currently available remaining sum of account and Card Type mark；
Display is corresponding with one or more trading strategies to confirm selection mark.
Reception client confirms the confirmation to the trading strategies that selection mark is inputted by described, and will be described true
Recognize information to send to the backstage master server equipment 102.
In addition, the backstage master server equipment 102 is specifically additionally operable to：
After the confirmation is received, cryptographic check instruction is sent to the customer terminal equipment 101.
After each account password of the customer terminal equipment 101 according to the cryptographic check instruction feedback is received, to each account
Family password is verified.
After to each account password verify successfully, operation is traded according to the trading strategies, and to rear number of units
Batch updating is carried out according to the account amount of money of each account related to the transactional operation in storehouse.
The many account trading systems of a kind of bank individual provided in an embodiment of the present invention, on backstage, master server equipment is determined
When the current account amount of money is less than dealing money, many accounts of same client can be carried out in background data base according to client identity information
Family batch search processing, obtains multiple accounts informations of the corresponding same client of client identity information；And pass through same client's
One or more of multiple accounts complete transactional operation, proceed to hand over without replenishing remaining sum or changing account
It is easy to operate, whole transactional operation process simple and fast so that the service efficiency of the client terminal such as ATM is improved.Avoid current
Withdrawal transaction, money transfer transactions of transferring accounts of prior art etc., which are only supported in a trading account, carries out operation of withholing, more than account
When volume is not enough, transactional operation can be caused to fail, and whole transactional operation process is cumbersome, the service efficiency of the client terminal such as ATM
Relatively low the problem of.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can be using the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can be used in one or more computers for wherein including computer usable program code
The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram are described.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which is produced, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
Apply specific embodiment in the present invention to be set forth the principle and embodiment of the present invention, above example
Explanation be only intended to help to understand the method and its core concept of the present invention；Simultaneously for those of ordinary skill in the art,
According to the thought of the present invention, it will change in specific embodiments and applications, in summary, in this specification
Appearance should not be construed as limiting the invention.
Claims (14)
1. a kind of many account trading methods of bank individual, it is characterised in that described applied to many account trading systems of bank individual
System includes：Customer terminal equipment and backstage master server equipment；The customer terminal equipment and backstage master server equipment it
Between connected by bank's private network communication；
The many account trading methods of bank individual, including：
Customer terminal equipment sends transaction request information to backstage master server equipment；The transaction request information includes transaction account
Family information and dealing money；The transaction account information includes the client identity information belonging to trading account；
Backstage master server equipment obtains the corresponding account amount of money of trading account from background data base；
Backstage master server equipment judges whether the account amount of money is more than or equal to the dealing money, and in the account amount of money
During less than the dealing money, many account batches of same client are carried out in background data base according to the client identity information and searched
Rope processing, obtains multiple accounts informations of the corresponding same client of the client identity information；
Backstage master server equipment determines the remittance of multiple accounts of same client according to multiple accounts informations of the same client
Total amount, it is determined that and sending trading strategies related to the transaction request information to the customer terminal equipment；
The customer terminal equipment receives the confirmation to the trading strategies of client's input, and the confirmation is sent out
Deliver to the backstage master server equipment；
The backstage master server equipment is traded operation according to the trading strategies and the confirmation, and to rear number of units
Batch updating is carried out according to the account amount of money of each account in storehouse.
2. many account trading methods of bank individual according to claim 1, it is characterised in that belonging to the trading account
Client identity information includes：Encoder client, customer name, client certificate type and client certificate number.
3. many account trading methods of bank individual according to claim 2, it is characterised in that believed according to the client identity
Breath carries out many account batch search processing of same client in background data base, obtains the client identity information corresponding same
Multiple accounts informations of client, including：
Using the encoder client, customer name, client certificate type and client certificate number as search condition, from the backstage
Multiple accounts informations of the corresponding same client of the search condition are obtained in database；Multiple accounts letter of the same client
Breath includes：Account number, account currency type, account bank card card number, the currently available remaining sum of account, account product identity, account
Family alias, account hair fastener area code, Card Type mark；The Card Type mark includes debit card mark or credit card mark；Institute
Stating account product identity, jointly numbering and bank card product identification are identified including account bank card BIN codes, account bank card；
Dealing money in the multiple accounts informations and transaction request information of the same client is arranged, each account is formed
The corresponding accounts information record of family information, and each bar accounts information record storage is read in the accounts information pre-set
In buffer area；It is current that each bar accounts information records account number, account currency type, account bank card card number, account
If dealing money in available balance, transaction request information, be traded by the account after remaining sum, account product identity
Mark, account nickname, account hair fastener area code and Card Type mark.
4. many account trading methods of bank individual according to claim 3, it is characterised in that backstage master server equipment root
According to multiple accounts informations of the same client, determine that multiple accounts of same client collect the amount of money, including：
Backstage master server equipment is identified according to the Card Type, determine each debit card account of same client available balance,
Whole debit card accounts collect the amount of money and debit card account and can use account number；
Backstage master server equipment is identified according to the Card Type, determine each credit card account of same client available balance,
Whole credit card accounts collect the amount of money and credit card account and can use account number.
5. many account trading methods of bank individual according to claim 4, it is characterised in that it is determined that and whole to the client
End equipment sends the trading strategies related to the transaction request information, including：
Backstage master server equipment collects the amount of money and debit card account and can use account number according to whole debit card accounts, or
Person's whole credit card accounts collect the amount of money and credit card account and can use account number, it is determined that whole debit card accounts collect
The amount of money or whole credit card account collect whether the amount of money is more than the dealing money；
Backstage master server equipment determine whole debit card accounts collect the amount of money or whole credit card account collect gold
, please with the transaction according to the one or more accounts informations formation for meeting terms of trade when volume is more than or equal to the dealing money
The trading strategies for asking information related；The one or more accounts informations for meeting terms of trade include the available remaining of account
Volume is more than or equal to the dealing money, and the available balance sum of multiple accounts is more than or equal to the dealing money；It is described with
The related trading strategies of the transaction request information include completing the dealing money by the available balance of an account
Transactional operation, or complete by the available balance sum of multiple accounts the transactional operation of the dealing money；
Backstage master server equipment sends the accounts information related to the trading strategies and the trading strategies to the visitor
Family terminal device.
6. many account trading methods of bank individual according to claim 5, it is characterised in that the customer terminal equipment connects
The confirmation to the trading strategies of client's input is received, and the confirmation is sent to the backstage master server set
It is standby, including：
Customer terminal equipment receives and shows the accounts information and the trading strategies related to the trading strategies；Described and institute
Stating the related accounts information of trading strategies includes：Account number, account bank card card number, the currently available remaining sum of account and card class
Type is identified；
Customer terminal equipment shows confirmation selection mark corresponding with one or more trading strategies；
Customer terminal equipment receives client by the confirmation to the trading strategies for confirming selection mark input, and
The confirmation is sent to the backstage master server equipment.
7. many account trading methods of bank individual according to claim 6, it is characterised in that the backstage master server is set
It is standby that operation is traded according to the trading strategies and the confirmation, and to the account gold of each account in background data base
Volume carries out batch updating, including：
Backstage master server equipment sends cryptographic check after the confirmation is received, to the customer terminal equipment and referred to
Order；
Backstage master server equipment is receiving each account password of the customer terminal equipment according to the cryptographic check instruction feedback
Afterwards, each account password is verified；
Backstage master server equipment is traded behaviour after to each account password verify successfully according to the trading strategies
Make, and batch updating is carried out to the account amount of money of each account related to the transactional operation in background data base.
8. a kind of many account trading systems of bank individual, it is characterised in that many account trading systems of bank individual include：Visitor
Family terminal device and backstage master server equipment；It is special by bank between the customer terminal equipment and backstage master server equipment
Network Communication is connected；
The customer terminal equipment, for sending transaction request information to backstage master server equipment；The transaction request information
Including transaction account information and dealing money；The transaction account information includes the client identity information belonging to trading account；
The backstage master server equipment, for obtaining the corresponding account amount of money of trading account from background data base；Judge institute
State whether account amount of money is more than or equal to the dealing money, and when the account amount of money is less than the dealing money, according to institute
State client identity information and many account batch search processing of same client are carried out in background data base, obtain the client identity letter
Cease multiple accounts informations of corresponding same client；According to multiple accounts informations of the same client, determine same client's
Multiple accounts collect the amount of money, it is determined that and sending the transaction plan related to the transaction request information to the customer terminal equipment
Slightly；
The customer terminal equipment, is additionally operable to receive the confirmation to the trading strategies of client's input, and will be described true
Recognize information to send to the backstage master server equipment；
The backstage master server equipment, is additionally operable to be traded operation according to the trading strategies and the confirmation, and
Account amount of money to each account in background data base carries out batch updating.
9. many account trading systems of bank individual according to claim 8, it is characterised in that the customer terminal equipment hair
The client identity information belonging to trading account in the transaction request information sent includes：Encoder client, customer name, client certificate
Type and client certificate number.
10. many account trading systems of bank individual according to claim 9, it is characterised in that the backstage master server
Equipment, specifically for：
Using the encoder client, customer name, client certificate type and client certificate number as search condition, from the backstage
Multiple accounts informations of the corresponding same client of the search condition are obtained in database；Multiple accounts letter of the same client
Breath includes：Account number, account currency type, account bank card card number, the currently available remaining sum of account, account product identity, account
Family alias, account hair fastener area code, Card Type mark；The Card Type mark includes debit card mark or credit card mark；Institute
Stating account product identity, jointly numbering and bank card product identification are identified including account bank card BIN codes, account bank card；
Dealing money in the multiple accounts informations and transaction request information of the same client is arranged, each account is formed
The corresponding accounts information record of family information, and each bar accounts information record storage is read in the accounts information pre-set
In buffer area；It is current that each bar accounts information records account number, account currency type, account bank card card number, account
If dealing money in available balance, transaction request information, be traded by the account after remaining sum, account product identity
Mark, account nickname, account hair fastener area code and Card Type mark.
11. many account trading systems of bank individual according to claim 10, it is characterised in that the backstage master server
Equipment, is specifically additionally operable to：
Identified according to the Card Type, determine the available balance of each debit card account of same client, whole debit card account
Account number can be used by collecting the amount of money and debit card account；
Identified according to the Card Type, determine the available balance of each credit card account of same client, whole credit card account
Account number can be used by collecting the amount of money and credit card account.
12. many account trading systems of bank individual according to claim 11, it is characterised in that the backstage master server
Equipment, is specifically additionally operable to：
Collecting the amount of money and debit card account and can use account number, or whole credit card accounts according to whole debit card accounts
Collect the amount of money and credit card account and can use account number, it is determined that whole debit card accounts collect the amount of money or whole credit cards
Account collect the amount of money whether be more than the dealing money；
It is more than or equal to described hand in the amount of money that collects for collecting the amount of money or whole credit card accounts for determining whole debit card accounts
During the easy amount of money, according to the one or more accounts informations formation for the meeting terms of trade transaction related to the transaction request information
Strategy；The available balance that the one or more accounts informations for meeting terms of trade include an account is more than or equal to described hand over
The easy amount of money, and the available balance sum of multiple accounts are more than or equal to the dealing money；The described and transaction request information
Related trading strategies include the transactional operation that the dealing money is completed by the available balance of an account, or pass through
The available balance sums of multiple accounts completes the transactional operation of the dealing money；
The accounts information related to the trading strategies and the trading strategies are sent to the customer terminal equipment.
13. many account trading systems of bank individual according to claim 12, it is characterised in that the client terminal is set
It is standby, specifically for：
Receive and show the accounts information and the trading strategies related to the trading strategies；It is described with the trading strategies phase
The accounts information of pass includes：Account number, account bank card card number, the currently available remaining sum of account and Card Type mark；
Display is corresponding with one or more trading strategies to confirm selection mark；
Client is received by the confirmation to the trading strategies for confirming selection mark input, and by the confirmation letter
Breath is sent to the backstage master server equipment.
14. many account trading systems of bank individual according to claim 13, it is characterised in that the backstage master server
Equipment is specifically additionally operable to：
After the confirmation is received, cryptographic check instruction is sent to the customer terminal equipment；
After each account password of the customer terminal equipment according to the cryptographic check instruction feedback is received, each account password is entered
Row verification；
After to each account password verify successfully, operation is traded according to the trading strategies, and to background data base
In the account amount of money of each account related to the transactional operation carry out batch updating.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710228817.8A CN107103530A (en) | 2017-04-10 | 2017-04-10 | A kind of many account trading method and system of bank individual |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710228817.8A CN107103530A (en) | 2017-04-10 | 2017-04-10 | A kind of many account trading method and system of bank individual |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107103530A true CN107103530A (en) | 2017-08-29 |
Family
ID=59675001
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710228817.8A Pending CN107103530A (en) | 2017-04-10 | 2017-04-10 | A kind of many account trading method and system of bank individual |
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| CN108011926A (en) * | 2017-11-06 | 2018-05-08 | 中国银联股份有限公司 | A kind of file transmitting method, processing method, server and system |
| CN108665252A (en) * | 2018-05-22 | 2018-10-16 | 阿里巴巴集团控股有限公司 | Method of payment, device and electronic equipment |
| CN108764876A (en) * | 2018-05-29 | 2018-11-06 | 深圳市元征科技股份有限公司 | A kind of transaction processing method and server |
| CN109087086A (en) * | 2018-08-01 | 2018-12-25 | 中信百信银行股份有限公司 | The method for controlling hot spot account trading |
| CN109242482A (en) * | 2018-07-31 | 2019-01-18 | 北京比特大陆科技有限公司 | A kind of method and apparatus for realizing the integration of digital cash transaction record |
| CN109872141A (en) * | 2019-01-31 | 2019-06-11 | 厦门投融汇网络有限公司 | A kind of fund transfer system and its transfer account method for bank's management of differential account |
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| CN110163746A (en) * | 2019-05-08 | 2019-08-23 | 深圳前海微众银行股份有限公司 | A kind of account liquidation method and device |
| CN110598453A (en) * | 2019-09-20 | 2019-12-20 | 中国银行股份有限公司 | Client information data acquisition method and device |
| CN111738709A (en) * | 2020-06-19 | 2020-10-02 | 中国银行股份有限公司 | Transaction processing method and device |
| CN111897839A (en) * | 2020-08-07 | 2020-11-06 | 华夏银行股份有限公司 | Data processing method and system |
| CN112215701A (en) * | 2020-10-13 | 2021-01-12 | 中国银行股份有限公司 | Method and device for flexibly managing funds among multiple accounts |
| CN113448991A (en) * | 2021-07-09 | 2021-09-28 | 中国银行股份有限公司 | Account multi-stage linkage system and method |
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| CN112215701A (en) * | 2020-10-13 | 2021-01-12 | 中国银行股份有限公司 | Method and device for flexibly managing funds among multiple accounts |
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